Get Covered with Third Party, Fire & Theft Car Insurance
Looking for cover that delivers the right balance of confidence and value? Third-party, Fire and Theft insurance is a smart, mid-range option that focuses on the risks that matter most. It gives you cover for two major events, theft and fire damage, so if your vehicle is stolen and not recovered, or damaged by fire, you can claim towards the cost of repair or replacement and get back on the road with less stress.
This cover also includes third party liability, which means if you’re involved in an accident and it’s your fault, your insurer steps in to take care of the costs for damage you cause to someone else’s car or property. No unexpected bills, no financial shock, just peace of mind knowing you’re covered when it counts.
What’s important to know is that Third party, Fire and Theft insurance does not cover accident related damage to your own vehicle. If your car is damaged in a collision, repairs will be at your own cost unless you choose comprehensive insurance.
With nearly 20,000 vehicles stolen in South Africa every year, theft cover isn’t a nice to have, it’s essential. Add the risk of fire damage, and it’s clear why Third party, Fire and Theft insurance remains a popular choice for drivers who want meaningful cover without paying for more than they need.
Need extra peace of mind? You can also boost your third party liability limits, giving you stronger backing against unexpected claims and ensuring you’re ready for whatever the road throws your way.
Our customers generally score us 9.2 out of 10 when asked how easy it was to interact with us.
Fire and theft cover that has your back when it matters most
If a fire causes accidental damage to your vehicle, or destroys it completely, we’ll step in to help repair or replace it, so an unexpected event doesn’t derail your plans.
With nearly 20,000 vehicles stolen in South Africa every year, theft isn’t a distant risk, it’s a real one. That’s why our Third party, Fire & Theft cover ensures that if your car is stolen and not recovered, you can claim towards replacing it, giving you peace of mind and financial support when you need it most. Smart cover for real world risks, that’s insurance done right.
Third party liability cover that stands up for you
If your vehicle accidentally causes damage to someone else’s property or vehicle, we’ve got you covered. We’ll handle the third party claim and take care of the cost to repair or replace the other vehicle involved, so you’re not left dealing with unexpected expenses or difficult conversations.
What this cover doesn’t include is medical treatment for injuries to the other driver or their passengers, this can be claimed from Road Accident Fund (RAF). If you’re looking for added confidence on the road, you can increase your third party liability limits, giving you stronger financial backing and extra peace of mind should a larger claim arise. With Auto and General, you’re covered right and ready for whatever comes your way.
It Pays to be Loyal
When you choose Third Party, Fire and Theft Insurance from A&G, you can rest easy - but it's even better when your careful driving is recognised. Stay claim-free for four years and receive a cash reward from us. To enjoy this benefit, simply add Cash Back Plus to your policy.
Road Assist
We've got you covered if you need emergency roadside support. Our Third Party, Fire & Theft insurance includes Road Assist, which covers you for breakdown and accident assistance.
We provide up to three call-outs per year for mechanical or electrical breakdowns. If you’re in a collision, you can rest assured that we will tow your vehicle from the scene and pay for any subsequent storage costs.
Our Additional Insurance Options
Keep your wheels and rims covered against unexpected road hazards, including puncture repairs, wheel alignment and more
Unexpected chips, minor dents and light scratches happen, and they can be expensive to fix. Choose our Scratch & Dent Cover to help your car look as good as new.
A mechanical breakdown can be extremely inconvenient, not to mention costly. That’s why we offer Mechanical Breakdown Cover to help in the event of mechanical or electrical failure
Personal Accident Cover is there for you when you need it. If you are hospitalised, disabled or pass away as a result of an accident, we will make sure you and your family are taken care of.
Read our Car Insurance Blogs
Why SUVs are the most sought after family vehicles in SA
Anyone who has had a bad experience on the road knows that car insurance is an absolute necessity. Paying for repairs to your car or having to buy a new one if yours is written off is simply not an affordable option for most people. However, even though you know you need it, you might still begrudge paying for it a little bit. That is why looking for ways to lower your monthly insurance premium could bring some relief. There are many factors that affect your insurance costs, but did you know your relationship status is one of them?
Myth or fact: Families pay less for car insurance than singles
Anyone who has had a bad experience on the road knows that car insurance is an absolute necessity. Paying for repairs to your car or having to buy a new one if yours is written off is simply not an affordable option for most people. However, even though you know you need it, you might still begrudge paying for it a little bit. That is why looking for ways to lower your monthly insurance premium could bring some relief. There are many factors that affect your insurance costs, but did you know your relationship status is one of them?
4 Ways to Get the Best ROI from Your Business Car Insurance
Whether you're a small business owner with two employees or running a growing company with more than 20, every rand you invest needs to count. If you rely on business vehicles to keep operations running smoothly, you'll need Car Insurance that delivers the best value.