Third Party Only Insurance
Get Covered with Third Party Insurance
Auto&General’s Third-party Car Insurance – often simply called Third-party Only Insurance – is designed to give you essential financial protection without the higher premiums of comprehensive cover. It’s a cost-effective option that covers you if you cause accidental damage to someone else’s vehicle or property.
It’s important to note that Third-party Only Insurance is the minimum level of cover available for motorists. While it can help shield you from the potentially extreme cost of paying for another person’s losses, it will not cover repairs to your own car.
For that reason, this type of policy is often ideal for drivers who own an older or lower-value vehicle and are confident they can pay for their own repairs if necessary, but still want to avoid the financial burden of paying for someone else’s damage out of pocket.
Third party liability cover
When you take out Third-party Only Insurance with Auto&General, you’re covered for third-party liability. This means that if you are found responsible for causing an accident, the person affected, the third party, can claim for the damage or loss they’ve suffered. In insurance terms:
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First party: You, the policyholder.
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Second party: Auto&General, your insurer.
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Third party: The person making a claim against you.
Your policy will pay for the repair or replacement costs of the third party’s damaged property or vehicle, as well as legal fees if applicable, up to the limits stated in your policy.
Our customers generally score us 9.2 out of 10 when asked how easy it was to interact with us.
Why Third-party Only Insurance Matters
Without Third-party Car Insurance, you could face massive out-of-pocket expenses if you damage a high-value vehicle or someone’s property. With Auto&General, you get peace of mind knowing that you’re protected against these unexpected costs – all while keeping your premiums affordable.
Choose Third-party Only Insurance today and drive with confidence, knowing you’re covered where it counts most.
Third Party Insurance Assist Benefits
Theft or hijacking
Our assistance-related benefits are designed to keep you safe on the road and at home whenever you might need us – 24 hours a day, 365 days a year.
Manage your policy online
Auto and General makes it simple to manage your policy online. You can even report your claims online in minutes.
Service Promise
We guarantee that you will always receive excellent service as part of our Service Promise.
How does a Third-Party Insurance claim work?
You must report the event to your insurer and provide the necessary details and documentation. Submit supporting documentation, including a police report, if relevant. The insurer will investigate the claim, determine liability, and compensate the third party for their damages or injuries, excluding coverage for your own vehicle.
Why should I get comprehensive insurance?
Comprehensive Car Insurance offers broad protection, covering your vehicle for accidents, theft, fire, natural disasters, and vandalism. It’s ideal if you want peace of mind and financial security, especially for newer or high-value cars.
Who is the third party in an insurance claim?
The third party is the person or entity that suffers loss or damage because of your actions and makes a claim against you under your insurance policy.
Can I change from Third-party to Comprehensive Insurance?
Yes. You can upgrade from Third-party to Comprehensive Insurance at any time by contacting Auto&General, though your premium will likely increase to reflect the wider cover and added benefits.
The Best Cover Gives Back - Get Cash Back Plus
Being covered is great, but it feels even better when you get rewarded for loyalty. Stay claim free for four years, and enjoy a cash back perk on us! Simply add Cash Back Plus to your policy to feel the benefits.
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Learn more about Third Party Car Insurance
A car insurance calculator is a useful tool that enables you to estimate the premiums you will likely pay for your motor vehicle insurance.
The three types of car insurance offered in South Africa are: comprehensive; third party, fire and theft; and third party. Each of these offer a different degree of cover.
An online car inspection allows you to perform your own inspection by photographing predetermined aspects of your vehicle and submitting the images along with other details to your insurer.