Third Party Only Car Insurance
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.
What's covered
- Damage you cause to other people's cars and property
- Legal costs defending a third-party claim (policy limits apply)
What's not covered
- Any damage to, or theft of, your own car
- Mechanical and electrical breakdown
- Driving over the legal alcohol limit or without a valid licence
A summary only. The insurer's policy wording, sent with your quote, sets out the full cover, limits and excesses.
Who it's for
Low-value cars you would simply replace, where the main risk is paying for someone else's car. Read our full guide.
Optional extras you can ask for
- Roadside assistance
How it works: leave your details below and a licensed adviser calls you with the premium and excess. There's no obligation, and you're only covered once the insurer confirms your cover in writing.
Get a Third Party Only quote
Free, no obligation. Takes 30 seconds. An adviser will call you with your quote.
Get a quote for other cover
Comprehensive Car Insurance · Third Party, Fire & Theft Car Insurance · Scratch & Dent Cover · Car Warranty (Mechanical Breakdown) Cover
Third Party Only questions
Because the Road Accident Fund only covers injuries, not vehicle damage. If you cause an accident, the other driver can claim their repair costs from you personally.
No. For theft and hijacking cover choose Third Party, Fire & Theft or Comprehensive.
Only once our licensed partner insurer confirms your cover in writing and your first premium or debit order is set up.
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.
TrackerPrices 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.