Third-Party, Fire & Theft Car Insurance
What is third-party, fire and theft car insurance?
Third-party, fire and theft (TPFT) car insurance covers damage you cause to other people's vehicles or property, plus loss of your own car through fire or theft. It does not pay for accident damage to your own vehicle. It is a mid-range option between third-party only and comprehensive cover.
Key takeaways
- Covers third-party damage, plus fire and theft of your own car.
- Does not cover accident damage to your own vehicle.
- Cheaper than comprehensive, more protection than third-party only.
- A practical choice for mid-value cars in higher-theft areas.
What does third-party, fire and theft cover?
TPFT sits between basic and full cover. It typically includes:
- Damage you cause to other people's vehicles or property
- Theft and hijacking of your own car
- Fire, explosion and lightning damage to your car
What is not covered?
The key gap is accident damage to your own vehicle. TPFT does not pay to repair your car if you are in a collision that is your fault, and it excludes wear and tear, mechanical breakdown and the usual exclusions such as driving without a valid licence.
How much does third-party, fire and theft cost?
TPFT premiums are generally lower than comprehensive cover because your own accident damage is excluded. As with all cover, your price depends on your car, where you live, your age and driving record, and the excess you choose. Comparing quotes is the best way to find the lowest premium.
Who should choose third-party, fire and theft?
TPFT is a good fit if you drive a mid-value car, want protection against theft and fire (a real risk in many parts of South Africa), but want to keep premiums lower than full comprehensive cover.
Compare car insurance cover types in South Africa
| What's covered | Comprehensive | Third-Party, Fire & Theft | Third-Party Only |
|---|---|---|---|
| Damage to other people's property | Yes | Yes | Yes |
| Theft & hijacking of your car | Yes | Yes | No |
| Fire damage to your car | Yes | Yes | No |
| Accident damage to your own car | Yes | No | No |
| Weather & natural disaster damage | Yes | No | No |
| Typical monthly premium | Highest | Mid-range | Lowest |
| Best for | New / financed cars | Mid-value cars | Older, low-value cars |
Read the full car insurance guide →
Frequently asked questions
Does third-party, fire and theft cover accident damage to my car?
Is third-party, fire and theft cheaper than comprehensive?
Is third-party, fire and theft enough cover?
Related car insurance cover
Get a car insurance quote
Compare third-party, fire & theft and other cover from trusted South African insurers — free and with no obligation.
Get a Quote Now