Third-Party, Fire & Theft Car Insurance
What is Third-Party, Fire & Theft Car Insurance?
Third-Party, Fire & Theft Cover is our mid-range option between Comprehensive and Third-Party Only. Even though the name says it all, let’s take a look in detail what you’re covered for when you take out this type of insurance.
Fire Cover
Fire might seem like quite a specific risk to insure against, but there are many ways this peril can affect your car.
Whether your car itself ignites, you have a fire in the home that spreads to your vehicle, or a blaze in the veld spreads to your property, we will cover the cost of repairing or replacing your car if it’s damaged by fire.
Third-Party Cover
When two or more cars are involved in an accident, most of the time one of the drivers is at fault. If that happens to be you, the other driver(s) can hold you legally liable for the damage you cause to their car, and any of their belongings. Depending on the severity of the accident, you might be ordered to pay up to millions in damages to the other drivers.
Because almost no one has that kind of money lying around, we offer third-party cover. Up to a specified limit, we will cover the damage to repair the other person’s property, as well as any damages awarded against you in a legal case.
Theft Cover
In South Africa, vehicle theft cover is a must-have. Without insurance, if your car is stolen, you’ll have to keep paying it off even though it’s in the hands of a criminal. We will pay you out for your car so you can pay off what you still owe on it and possibly even put a deposit down on a new car. Get a car insurance quote online with us today!
Third-Party, Fire & Theft Car Insurance Benefits
Add Ons
Add your sound system, canopy, and windscreen to your policy to boost your cover.
Cover for Damage
You get cover for damage caused not only by fire but by an explosion or lightning too.
Increase your Cover
Increase your third-party cover to suit your needs.
Frequently asked questions
Absolutely amazing service! Thank you to Eugene who helped the morning of the accident. Our claim was handled in record time, and you phoned exactly when you said you would. Thank you Budget. All your people are gems.
Annelize Faca
Cash Back
Simply add the optional Cash Back Bonus to your Budget Insurance policy and if you remain claim free for two years, we’ll reward you by giving you money back. Our Cash Back Bonus is unique in the sense that you only have to wait two uninterrupted years to start receiving your rewards and you’ll keep on being rewarded until you put in a claim. Best of all only certain claims will reset your Cash Back Bonus clock.
Other Car Insurance Products
If your car is lost, stolen, damaged in an accident or by a natural event, our Comprehensive Car Insurance will cover it. If you damage someone else’s property, we’ll cover that too.
Similar to our Comprehensive Car Cover option, BetterCar Value pays you out for the same car but one year newer if yours is written off.
This value-added product pays for you to repair small and light dents, chips, and scratches that might occur on the exterior of your car.
As cars get older, they’re more likely to suffer mechanical and electrical faults. These can be expensive to repair or replace, but not when you have a Motor Warranty.
We’ll cover you for third-party damage you cause, if a fire damages your car, or if it’s stolen – but not accidental damage your own car sustains.
When you pay off a car, there might be a period of time when your car insurance wouldn’t quite cover the outstanding amount – that’s why we offer Auto Top-Up.
Third-Party Only cover is the most basic of all our Car Insurance plans. It’s perfect if you have a small budget and your car isn’t worth that much.
With the state of our roads, you deserve a good cover to protect your tyres against pothole damage and uneven roads. Our cover incudes puncture repair, wheel alignment and more