Third Party, Fire & Theft Car Insurance
Covers your car against theft, hijacking and fire, and covers you for damage you cause to other people's property. It doesn't pay for accident damage to your own car.
Get a quote →Our widest cover: your own car is covered for accidents, theft, hijacking, fire and weather, and you're covered for damage you cause to other people's property.
A summary only. The insurer's policy wording, sent with your quote, sets out the full cover, limits and excesses.
Financed cars (finance houses require it), newer cars and cars you couldn't afford to replace. Read our full guide.
Important: requesting a quote isn't proof of cover. You're only insured once the insurer confirms your cover in writing. Keep any existing insurance until then.
Free, no obligation. Takes 30 seconds. An adviser will call you with your quote.
Covers your car against theft, hijacking and fire, and covers you for damage you cause to other people's property. It doesn't pay for accident damage to your own car.
Get a quote →The minimum sensible cover. It pays for damage you cause to other people's cars and property, so you aren't personally liable for their repair bill. Your own car isn't covered.
Get a quote →Pays for small cosmetic repairs, like scratches, scuffs and minor dents, through a smart repair network, without a claim on your main car insurance.
Get a quote →Covers the cost of repairing or replacing covered mechanical and electrical parts that fail suddenly, which car insurance doesn't cover.
Get a quote →Yes. Banks and finance houses require comprehensive cover for as long as the car is being paid off. Tick "financed" on the form so the quote meets your finance agreement.
Only if you accept your quote and our licensed partner insurer confirms your cover in writing, with your first premium or debit order set up. Requesting a quote is not proof of cover. Keep any existing insurance until then.
Yes. Tell us your preferred excess level and the insurer will show you how it changes the premium. See what excess means in car insurance for how excesses work.
Yes. We only ask for what the insurer needs to quote you. We never ask for card or bank details on this site. If you decide to take the cover, the debit order is set up directly with the insurer.
Tracker Prices SA is an independent information site. We are not an insurer or a licensed financial services provider, and nothing here is financial advice. Insurer details are summarised from each insurer's own published information, last checked September 2026. Cover, benefits and prices change, so always confirm them in your quote and policy wording. For a complaint about an insurer you can contact the free National Financial Ombud Scheme.