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Third Party Insurance

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Third Party Insurance 


Third Party Only Car Insurance offers an entry-level form of cover. This policy covers the damages you cause to another person’s vehicle or property in the event you’re deemed at fault after a car accident or collision. 


What is covered with Third Party Insurance cover? 


  • Damage to someone’s car or property

It’s important to note that while this cover protects you against third-party damage, it doesn’t cover repairs to your own vehicle. So, if you’re in an accident, you’ll need to bear the cost of repairs to your car.

Dialdirect recommends Third Party Insurance if you can say ‘yes’ to these questions:

  1. Can you afford to pay for vehicle repairs yourself?

  2. Does your vehicle have a low-market value?

If you’re having second thoughts about whether Third Party Insurance is the right kind of cover, we suggest looking at alternatives like Third Party Fire and Theft Car Insurance or Comprehensive Car Insurance. 

Frequently Asked Questions: Third Party Insurance

What is the meaning of Third Party insurance?

It covers damage to the other party's vehicle or property. However, it does not include cover for your own vehicle. 

What is legal liability?

Legal liability refers to a state where someone is legally responsible for paying for repairs to a vehicle or property that was damaged in a car accident in which they were deemed to be at fault.

What isn’t covered under Third Party Insurance?

With third party only insurance, you will not be compensated for losses or damages to your own vehicle in the event of a car accident or collision. In this instance, you’re financially responsible for the replacement of and repairs to your vehicle – even if you’re in an accident that isn’t your fault.

Is Third Party Insurance cheaper?

Yes. Third Party Only Insurance is an entry-level car insurance plan. The cover is limited so the insurance premiums are lower than a more robust plan, like Comprehensive Car Insurance, for instance. Just bear in mind that if you are in an accident, you’ll need to repair or replace your car yourself.

What Our Clients Have to Say

My tyre burst roughly around 7pm , I called my insurer to request roadside assistance, I spoke to a Dialdirect agent...she was friendly and very helpful. Road assist arrived in less than 20 minutes .

I'm very impressed.

thank you Dial Direct

Mamello M

We always Complain when things go wrong yet Great things also happen in Our Lives ,
Dial direct appears to be the BEST I must say. When I say the best, I mean they meet or exceed expectations of theire clients

I have my Bakkie and Car covered by them since 2015 and my reason for sharing this is that I submitted two claims already which caused over 100k and I was impressed by the way they handled both claims.

They are not my 1st or 2nd Insurers that is why I know they are the Best. Anyone reading this having any Policy with them ,I am almost certain will agree ,

I salute your service My Comrades at Dial Direct

Noah D

One of the best services I've received on getting a quote on my first car purchase , never thought it was this easy but thanks to Dialdirect Agent who helped me get through the whole process as easy as 1...2...3

Delton N

Get a Third Party Insurance quote.