Third Party Only Insurance
Get Covered with Third Party Only Insurance
Auto and General's Third Party Only 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 Only Insurance
When you take out Third-party Only Insurance with Auto and General, you’re covered against third party claims. 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.
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.
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Why Third Party Only Insurance Matters
Without Third Party Only Car Insurance, you could face massive out-of-pocket expenses if you damage a high-value vehicle or someone’s property. With Auto and General, you get peace of mind knowing that you’re protected against these unexpected financial losses, 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 Only Insurance Value adds
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.
Comprehensive Insurance FAQs
Why should I get comprehensive insurance?
Comprehensive insurance is the highest level of cover you can get for your vehicle, and for good reason. Unlike third-party only or third-party, fire and theft policies, comprehensive insurance covers your car against virtually every risk on the road, from accidents, theft, hijacking, and fire to hail damage and even windscreen cracks, regardless of who is at fault. It also covers damage you may cause to another person's vehicle or property, so you're covered on all sides. Beyond the basics, comprehensive policies often offer valuable extras such as roadside assistance, car hire while your vehicle is being repaired, and cover for your personal belongings inside the car. If your vehicle is your lifeline, getting you to work, fetching the kids, or running your business, comprehensive insurance gives you the confidence to drive knowing that whatever happens, you won't be left out of pocket. At Auto and General, we make comprehensive cover accessible and affordable, so you never have to compromise on cover.
Who is the third party in an insurance claim?
In an insurance claim, the first party is you (the policyholder) and the second party is your insurer, in this case Auto and General. The third party is anyone else involved in the incident who is not part of your insurance contract. This is typically the other driver or property owner who has suffered damage or loss as a result of an accident you may have caused. For example, if you reverse into another person's car in a parking lot, that other person is the third party and can claim against your policy for the cost of their repairs. Understanding who the third party is helps you know exactly how your cover works and what to expect when a claim is lodged, either by you or against you.
How does a Third-Party claim work?
A third-party claim is when someone else (the third party) claims against your insurance policy because you were responsible for causing damage to their vehicle or property. When an incident occurs, you would report the claim to Auto and General, and our claims team will assess the details, including who was at fault. If you are found to be liable, your policy will cover the cost of repairing or replacing the third party's vehicle or property, so you don't have to pay out of your own pocket. Similarly, if another driver damages your car and they are at fault, you can lodge a third-party claim against their insurer to recover your costs. At Auto and General, our dedicated claims team guides you through every step of the process, making what can feel like a stressful situation as smooth and straightforward as possible.
Can I change from Third Party only Insurance to Comprehensive Insurance?
Yes, you absolutely can. If you currently have a third-party only or third-party, fire and theft policy and feel you need a higher level of cover, upgrading to comprehensive insurance is a straightforward process. Simply get in touch with Auto and General, and one of our consultants will walk you through your options, adjust your cover, and provide you with an updated premium, all without the need to cancel your existing policy and start from scratch. Your new comprehensive cover can take effect almost immediately, so there's no gap in cover. As your circumstances change, whether you've bought a newer car, moved to a different area, or simply want greater peace of mind, it makes sense to ensure your level of cover keeps up. At Auto and General, we make upgrading easy, so you always have the right cover for where you are in life.
Will comprehensive insurance cover vehicle engine failure?
No, comprehensive car insurance does not cover engine failure or mechanical breakdowns. Comprehensive cover is designed to cover your vehicle against sudden, unforeseen events such as accidents, theft, hijacking, fire, and hail damage, not against wear and tear or the gradual deterioration of mechanical components like your engine, gearbox, or clutch. Engine failure typically falls under a motor warranty or mechanical breakdown extension, which is a separate product specifically designed to cover the cost of repairing or replacing mechanical and electrical components that fail due to a defect or breakdown. If you want complete peace of mind for both on-road incidents and under-the-bonnet surprises, it's worth pairing your comprehensive insurance with a motor warranty to ensure you're fully covered on all fronts. At Auto and General, we can help you find the right combination of products to keep you covered, no matter what the road or your engine throws at you.
The best policy doesn't just cover, it gives back.
With Cashback Plus, your loyalty is rewarded in a very real way. Stay claim free for four years and enjoy a cash back payout. It’s an easy add on to your policy that turns peace of mind into real value, without compromising on the quality of your cover. Cover what matters most and enjoy the satisfaction of knowing that great cover can come with meaningful rewards because with A&G, being insured right should always feel good.
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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.