Third Party Fire And Theft

Third-Party, Fire and Theft Car Insurance

Affordable Car Cover with Extra Protection

Looking for a balance between price and protection? Third-party, fire and theft car insurance (also referred to as Limited Cover) gives South African drivers essential cover without the high premiums of comprehensive insurance.

What is Third-Party, Fire and Theft Insurance?

Third-party, fire and theft car insurance protects you against:

• Damage you cause to other vehicles or property
• Theft or hijacking of your car
• Fire damage, including explosion or lightning

It does not cover accidental damage to your own vehicle. This option is ideal if your car has a lower market value or if you're looking for an affordable alternative to full comprehensive insurance.

Why Choose This Type of Cover?

In South Africa, car insurance can be expensive—especially for older vehicles. Third-party, fire and theft insurance gives you key protection at a lower monthly premium.

Key Benefits:

• Covers damage to third-party vehicles or property
• Protects against theft and hijacking
• Fire and explosion cover included
• More affordable than comprehensive insurance
• Often required for financed vehicles

Who Should Consider It?

This insurance is suitable for:

• Older or paid-off cars
• Budget-conscious drivers
• Anyone who wants more than just third-party cover

If you're not ready to pay for full comprehensive insurance but want more than just basic liability cover, this is the perfect middle ground.

Why It’s Important in South Africa

Car theft and hijacking are major concerns in South Africa. Third-party only insurance won’t help if your car is stolen — but this plan will.

With this policy, you can still claim if:

• Your car is stolen or hijacked
• It’s damaged by fire, lightning, or explosion
• You’re at fault in an accident and damage another person’s car or property

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