Third Party Only Car Insurance
Third party only (TPO) car insurance is the most basic and affordable type of motor insurance available in South Africa. It offers minimal protection by covering damage or injury you cause to other people or their property — but not your own vehicle.
If you’re looking for a low-cost option, Third Party Only insurance could be right for you.
What Does Third Party Only Insurance Cover?
This type of insurance provides coverage for:
- Injury or Death: Covers medical expenses or compensation if someone is injured or killed in an accident you cause
- Damage to Other Vehicles: Pays for repairs to another person’s car if you are responsible for the accident
- Property Damage: Covers costs if you damage someone else’s property (e.g., a fence or wall)
Note: This policy does not cover damage to your own car — whether from accidents, theft, fire, or weather.
Who Should Consider Third Party Only Insurance?
TPO insurance is best suited for:
- Owners of older cars where comprehensive cover isn’t cost-effective
- Drivers who don’t use their vehicles frequently
- People who can afford to pay for their own repairs if needed
How Much Does Third Party Only Insurance Cost?
As the most basic form of car insurance, TPO policies are typically the cheapest. Premiums depend on factors such as:
- Your driving history and claims record
- The value and age of your car
- Where you live in South Africa
- Optional add-ons (if any)
While it may seem like the most affordable option, keep in mind that you’ll be responsible for all repairs or replacement costs if your car is damaged or stolen.
Key Benefits of Third Party Only Insurance
| Benefit | Description |
|---|---|
| Affordable Premiums | Lowest monthly cost compared to other types of insurance |
| No Coverage for Own Vehicle | You decide how much risk to take |
| Simple Claims Process | Claims usually involve only third-party damage |
How Does Third Party Only Compare to Other Types of Insurance?
Here’s how TPO insurance stacks up against more advanced policies:
| Feature | 3rd Party Only | 3rd Party Fire & Theft | Comprehensive |
|---|---|---|---|
| Covers Your Own Vehicle | No | No | Yes |
| Fire Damage | No | Yes | Yes |
| Theft / Hijacking | No | Yes | Yes |
| Accidental Damage | No | No | Yes |
| Windscreen Damage | No | No | Usually Included |
| Vandalism | No | No | Yes |
Still Not Sure Which Policy Is Right for You?
At carinsurances.co.za, we help you compare third party only insurance quotes from top insurers across South Africa. Whether you’re looking for the most affordable option or planning to upgrade later, we’ll help you find the right fit.
- Compare quotes from multiple providers
- Speak to a licensed broker for expert advice
- Save time and money by comparing quotes
Frequently Asked Questions
Q: Is third party only insurance mandatory in South Africa?
A: While not legally required, it helps protect you from liability in case of an accident.
Q: Can I upgrade my third party only policy later?
A: Yes, most insurers allow upgrades to 3rd party fire and theft or comprehensive cover at renewal or mid-term.
Q: Does third party only insurance cover windscreen damage?
A: No, this is not included. Comprehensive policies usually offer this benefit.
