FNB Car Insurance
eBucks rewards on your premium.
Read the guide →Third party, fire and theft (TPFT) sits between the cheapest cover and full comprehensive. It protects you if you damage someone else's car, and it protects your own car against theft, hijacking and fire, but not against accident damage. For an older car you own outright, that's often the right balance.
| Event | Third party only | Third party, fire & theft | Comprehensive |
|---|---|---|---|
| You damage someone else's car or property | ✓ | ✓ | ✓ |
| Your car is stolen or hijacked | – | ✓ | ✓ |
| Your car is damaged by fire | – | ✓ | ✓ |
| Your car is damaged in an accident | – | – | ✓ |
| Hail, storm or vandalism damage to your car | – | Usually not | ✓ |
Exact cover varies by insurer. Check the policy wording, especially for weather and malicious damage.
Your car is older and paid off, you could afford to repair accident damage yourself, but losing the car to theft or hijacking would hurt.
Your car is financed (the bank will want comprehensive), it's newer or valuable, or you couldn't cover an accident repair from savings.
Car insurance isn't compulsory in South Africa, and the Road Accident Fund only covers injuries, not vehicle damage. If you cause an accident with no insurance, the other driver can claim their repair costs from you personally, and with newer cars that can run to hundreds of thousands of rand. Third party cover is the minimum that protects you from that. Do you need car insurance? →
A tracker makes particular sense on TPFT cover, because theft and hijacking are exactly the risks you're insuring. Compare tracker packages.
eBucks rewards on your premium.
Read the guide →Vitality Drive rewards for good driving, including fuel cash back.
Read the guide →Three cover levels and an excess you can adjust.
Read the guide →OUTbonus: cash back after three claim-free years.
Read the guide →A personal adviser for cover and claims.
Read the guide →Cashback for claim-free years, plus MyCover add-ons.
Read the guide →Request a Third Party, Fire & Theft cover quote online in 30 seconds. Free, no obligation, no card details.
It covers damage you cause to other people's cars and property, plus your own car if it's stolen, hijacked or damaged by fire. It doesn't pay for damage to your car in an accident.
Usually, yes, because it covers fewer events. How much you save depends on your car and driver profile, so compare both on the same quote.
Normally not. Finance houses require comprehensive cover while the car is being paid off, because accident damage to the car is their risk too.
Third party only covers damage you cause to others, and nothing for your own car. Third party, fire and theft adds cover for your car if it's stolen, hijacked or burnt.
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.
Tell us about your car once and we'll arrange for quotes to be sent to you, so you can compare premiums and excesses side by side.