Get Covered with Third Party, Fire & Theft Car Insurance
Third Party, Fire & Theft cover is a mid-tier car insurance option that protects your vehicle from loss or damage due to fire or theft. If your car is stolen and cannot be recovered, you can claim for the cost of replacing it. We also cover you for any damage caused to someone else’s property in an accident that is your fault.
Unfortunately, this car insurance option does not protect your vehicle if it’s damaged in an accident.
Fire and theft cover
If a fire causes accidental damage or destruction to your vehicle, we will pay to repair or replace it.
Nearly 20,000 cars are stolen in South Africa every year. Theft coverage remains an essential component of any insurance policy. With our Third Party, Fire & Theft cover, you can claim the cost of replacing a vehicle that has been stolen.
Third party liability cover
We protect you from any liability that may arise if your vehicle accidentally causes damage to someone else's property. We will also pay for the repair or replacement of any other vehicle involved in the accident.
However, this cover does not extend to treating injuries suffered by the other driver or passengers in any vehicle involved in a collision. For additional peace of mind, we can increase your third party cover to ensure you are completely protected in the instance that one of these claims arises.
Road Assist
We've got you covered if you need emergency roadside support. Our Third Party, Fire & Theft insurance includes Road Assist, which covers you for breakdown and accident assistance.
We provide up to three call-outs per year for mechanical or electrical breakdowns. If you’re in a collision, you can rest assured that we will tow your vehicle from the scene and pay for any subsequent storage costs.
Assist Benefits
Theft or hijacking
Our assistance-related benefits are designed to keep you safe on the road and at home whenever you might need us – 24 hours a day, 365 days a year.
Manage your policy online
Auto and General makes it simple to manage your policy online. You can even report your claims online in minutes.
Service Promise
We guarantee that you will always receive excellent service as part of our Service Promise.
Is Third Party, Fire & Theft Cover right for me?
This type of coverage protects you from financial liability that arises where an accident you have caused results in damage to another person’s car, as well as damage to or loss of your own vehicle caused by theft or fire. It does not include cover for accidental damage that you might cause to your own vehicle. As a result, it is more affordable and better suited to older vehicles that do not have a high retail, market or trade value.
Do I really need cover against fire?
Fire can cause major damage to your car. Aside from ruining the cosmetics of the vehicle – such as stripping paint and incinerating the interior – fire can destroy the sophisticated computers that are responsible for much of the car’s functionality. While superficial damage may be easily remedied, a more severe blaze can cause the complete destruction of your vehicle. Although engine fires, garage fires and those caused by car accidents may seem unlikely, they are a reality and it is best to be insured against them to prevent the loss of your mode of transport.
What isn’t covered under Third Party, Fire & Theft Car Insurance?
Third Party, Fire & Theft Car Insurance covers any damage or loss that other people may sustain due to an accident that you have caused. However, neither you nor your vehicle are covered for damage. Only Comprehensive Car Insurance provides financial protection for damage caused to your vehicle. If you wish to cover yourself against bodily injuries or death resulting from an accident, you will have to take out additional personal accident insurance. Alternatively, you can claim from the Road Accident Fund.
Am I covered for damage caused by attempted theft?
While Third Party, Fire & Theft Car Insurance covers your car in the event that your vehicle is stolen or hijacked, your insurer will not pay out for any damage caused to the car during attempted theft or hijacking. Any accidental damage caused to your car is excluded from this type of policy and will not be covered by your insurer.
Who are the first, second, and third parties?
There are three parties to every Third-Party Insurance claim. The first party is the person who holds the insurance policy. Their insurance company is the second party. The third-party is any other individual involved in the motor vehicle accident; there may be multiple third parties involved in any one accident. Whenever an incident occurs, you are the first party and your insurer is the second party, regardless of whether you or a third party are at fault.
What is the difference between third party, fire and theft, and comprehensive insurance?
Third party, fire & theft is typically less expensive than comprehensive insurance. If you have an older car model or want to keep your insurance premiums low, third party, fire and theft cover may provide adequate protection. Comprehensive insurance covers additional risks such as accidental damage (even if the collision is your fault).
Our customers generally score us 9.2 out of 10 when asked how easy it was to interact with us.
Accessory Policies
Keep your wheels and rims protected against unexpected road hazards, including puncture repairs, wheel alignment and more
Unexpected chips, minor dents and light scratches happen, and they can be expensive to fix. Choose our Scratch & Dent Protection cover to help your car look as good as new.
A mechanical breakdown can be extremely inconvenient, not to mention costly. That’s why we offer Mechanical Breakdown Cover to help in the event of mechanical or electrical failure
Personal Accident Cover is there for you when you need it. If you are hospitalised, disabled or pass away as a result of an accident, we will make sure you and your family are taken care of.
It Pays to be Loyal
When you choose Comprehensive Car Insurance from A&G, you can rest easy - but it's even better when your careful driving is recognised. Stay claim-free for four years and receive a cash reward from us. To enjoy this benefit, simply add Cash Back Plus to your policy.
Read our Blogs
Why SUVs are the most sought after family vehicles in SA
Anyone who has had a bad experience on the road knows that car insurance is an absolute necessity. Paying for repairs to your car or having to buy a new one if yours is written off is simply not an affordable option for most people. However, even though you know you need it, you might still begrudge paying for it a little bit. That is why looking for ways to lower your monthly insurance premium could bring some relief. There are many factors that affect your insurance costs, but did you know your relationship status is one of them?
Myth or fact: Families pay less for car insurance than singles
Anyone who has had a bad experience on the road knows that car insurance is an absolute necessity. Paying for repairs to your car or having to buy a new one if yours is written off is simply not an affordable option for most people. However, even though you know you need it, you might still begrudge paying for it a little bit. That is why looking for ways to lower your monthly insurance premium could bring some relief. There are many factors that affect your insurance costs, but did you know your relationship status is one of them?
A family's practical guide to car insurance during COVID-19
The COVID-19 pandemic has thrust us into uncertain times and caused widespread financial strain - but your car insurance does not have to be a financial burden. Given we are living with a high level of unpredictability, now might be a good time to review your existing car insurance policies or think about taking one out if you do not already have one.
Learn more about car insurance
A car insurance calculator is a useful tool that enables you to estimate the premiums you will likely pay for your motor vehicle insurance.
The three types of car insurance offered in South Africa are: comprehensive; third party, fire and theft; and third party. Each of these offer a different degree of cover.
An online car inspection allows you to perform your own inspection by photographing predetermined aspects of your vehicle and submitting the images along with other details to your insurer.