Third Party Car Insurance

3rd party insurance: affordable vehicle cover

Third Party Car insurance offers a basic and more affordable form of cover for your car by covering the damages that you have caused to other parties and their property in the event that you are responsible for an accident.

Looking for car cover but not the full-blown comprehensive commitment? Third-party only car insurance might be just what you need! This type of insurance comes with the fewest benefits, but it saves many drivers hassle when they've caused accidental damage to someone else's property.

Third-Party Liability Insurance Benefits

Third-party only cover is basic, but it can still help when you’re responsible for damage to someone else’s vehicle or property.

Third-party insurance is a practical starting point if you want affordable cover for the essentials.

Some are better than none

It's better to be covered for the bare minimum than to have no insurance at all.

Liability cover sorted

If you cause an accident, you're covered for the liability you might face.

Peace of mind

Trust us, driving a car with insurance is a better experience than cruising around without it.

Compare 13 of SA's top Car Insurers

We are always trying to add more brands for our customers. If you don't see a brand, that's their decision.

All our Car Insurance partners are licensed FSP's and vetted to meet our internal compliance and quality standards.

Looking for affordable third-party cover?

What does third-party cover do, exactly?

Here's a scenario for you. You're driving to work when the robots at your favourite intersection (insert sarcasm here) aren't working. AGAIN. You're so distracted by your irritation that you don't keep track of whose turn it is to go, and you move out of turn. And, oh no, you've T-boned a car coming from the other side.

In this instance, you've caused an accident—you're at fault. That means it's your responsibility to pay for the damage you've done to the other vehicle. But luckily, you have third-party-only car insurance. You exchange insurance details with the other driver, stop by the cop shop to report the incident (or do it online if you can), and submit an insurance claim to your provider.

From there, it's basically out of your hands; your provider will take care of the rest, and you're not obliged to pay for the repairs from your own pocket.

That's not all, though. Let's say you hit the other car’s boot and damaged the driver's laptop in there. Your insurer will pay for this, too. That's because property damage isn't only limited to cars but extends to other personal belongings. It could also apply if, say, you crash into the boundary wall of someone's house.

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Insurance Coverage Comparison

Car Insurance in South Africa generally comes in three tiers. Each of these will cover you for different events and impact the price of your premium.

Comprehensive insurance

Protects your vehicle against accident damage, theft, fire, and natural disasters, as well as damage you cause to a third party's property.

Accidents

Theft & hijacking

Fire & explosions

Damage to someone else's property

Natural disasters

Third party, fire & theft cover

Protects against fire, theft and damage to a third party's vehicle, but does not cover accidental damage to your own vehicle.

Accidents

Theft & hijacking

Fire & explosions

Damage to someone else's property

Natural disasters

Third party only

It covers damage you cause to another person's property but offers no protection for your own vehicle.

Accidents

Theft & hijacking

Fire & explosions

Damage to someone else's property

Natural disasters

Third-party only cover protects against damage to someone else’s property, but it does not cover your own car for accidents, theft, fire or natural disasters.

Is Third-Party Only Insurance a Legal Requirement?

Since 2011, the South African Insurance Association (SAIA) has called for mandatory third-party car insurance, with the argument that if all drivers were insured, the cost of insurance would come down and there would be more funds available to repair the damaged cars on our roads.

While this type of insurance isn’t mandatory yet, it may very well be in the near future.

Dunno if third-party cover is enough?

Vehicle Cover: Expert Tools, Tips & Guides

Welcome to our comprehensive Car Insurance Guide, where we've compiled essential information, tools, and insights to help you navigate the world of car insurance in South Africa.

Car Guide

A guide to South Africa's car brands and typical insurance costs for each.

Vehicle Premiums by Demographic

Learn how gender, income, and lifestyle impact car insurance rates and risk profiles.

Vehicle Use Classification

Understand the difference between personal and business use, and how it affects your policy and premiums.

Car Premiums by Age

See how your age affects car insurance costs and what to expect at different life stages.

Car Premiums by Province

Discover how location influences your premium, with insights from regions across South Africa.

Exploring Car Insurance Options

Understand the different levels of coverage available to suit your needs.

Insurance Claim Process

A straightforward guide to filing a claim with your insurer.

Comprehensive Car Insurance

Offers extensive protection against financial losses from a wide array of incidents involving your vehicle.

Third Party, Fire and Theft

Covers damage to others and protects your car against theft or fire damage.

Third Party Only

Safeguards against the costs of damage to other people and their property, without covering your own vehicle.

Car Insurance Values

Understand how different value types, like market, retail and trade-in, affect your cover and payout.

Car Insurance Premium

Key tips to reduce your premium and what factors determine your monthly cost.

Understanding Third-Party Cover

What does third-party car insurance cover?

It covers damage or injury you cause to others or their property. It does not cover your own vehicle or medical costs.

What if someone hits me and I have third-party only?

You are not covered for your own vehicle. If the other driver is insured, their insurer pays. If not, you're liable for repairs unless the Road Accident Fund applies for injuries only.

Is third-party fire and theft the same?

No. It includes basic third-party cover plus protection for your own car in case of theft or fire—but not for accidental damage.

What affects my third-party premium?

Your age, claims history, where you live, car type, and driving record all impact how much you’ll pay—even with third-party cover.

Is third-party insurance enough?

It meets legal requirements but doesn’t protect your own car. Consider comprehensive insurance for more peace of mind and coverage.

Compare more than just Car Insurance

With Hippo we make it easy to find great deals across multiple products.

Medical Aid

Gives you access to private healthcare. Compare plans, benefits and costs to find the right fit without paying for cover you don't need.

Medical Gap Cover

Covers the difference (shortfall) between what your Medical Aid pays and what a specialist charges. Gap Cover is not a substitute for Medical Aid.

Medical Insurance

More flexible and affordable than Medical Aid, Medical Insurance covers day-to-day health needs or specific procedures. This product is not a substitute for Medical Aid.

Business Insurance

Protects your business’ property, assets and third-party liability. The right cover depends on the nature, size and risk profile of your operations.

Life Insurance

Provides financial security for your dependants. Ensure your home loan, rental costs, debt and children’s tuition are taken care of when you pass.

Funeral Cover

Covers the immediate costs associated with a funeral. Premiums are influenced by your age, number of policy members and amount of cover.

Personal Loans

Compare rates across multiple lenders to find a fair deal. Rates vary based on your credit profile and chosen loan term, so comparison matters.

Home Contents Insurance

Covers your home's contents against damage, theft and loss. Compare quotes to find the most competitive rate.

Building Insurance

Covers the physical structure of your property against damage. Compare quotes to make sure you're not overpaying.

Motorbike Insurance

Covers your motorcycle against damage, theft and third-party claims. Premiums vary based on your personal profile.

Pet Insurance

Vet bills can add up quickly, especially when unexpected. Compare quotes to find a policy that fits your fur baby’s needs (and your monthly budget).

Travel Insurance

Protects you against unexpected medical and/or flight-related costs when travelling locally or abroad. Premiums vary based on the type of cover you opt for.

Home Fibre

Fibre prices and speeds vary significantly by area and provider. Find the fastest, most affordable package without contacting each provider separately.