New Customer Sales: 0861 00 12 94{{currentVDN}}   |   Existing Customer Sales, Services & Claims: 0861 60 01 20   |   24 Hour Emergency Assistance: 0860 10 42 11
  • Call me back

    Please call me back

    Please enter a name.
    Name must contain some letters.
    Please enter a contact number.
    Please enter a valid contact number.
    Please select a reason.

    Please select a suitable date and time

    Please select a suitable date.
    Please select a suitable time.

    Thank you, we will call you shortly.

    Refer 3 friends for a quote and stand a chance to

Third-Party, Fire & Theft Car Insurance

South African ID number required
Invalid South African ID number
Must be between 2 and 9 characters.
Cannot contain special characters.
No empty spaces are permitted.
Are you the regular driver of this car?
Yes, the above details are true and correct and I consent to my personal information being processed for insurance & risk management purposes.

Get a Cash Back Bonus


Simply add the 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.


Find out more

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.

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.


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.

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.


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!


More about car insurance

Car insurance calculator


We use a calculator to give you a quote that’s within budget. Find out how it works.

Car insurance companies


How much do you really know about your insurance companies in South Africa? At Budget Insurance, we want you to be informed.

Car insurance types


We offer seven different insurance types. Choose from our most comprehensive plan right down to the lightest cover for the tightest budgets with Budget Lite.


Ready to Budget?

Get Covered Today.

Save up to R340pm* with us!

What clients say

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

Frequently asked questions

Is Third-Party, Fire & Theft Cover right for me?

Comprehensive Car Insurance is the best option for newer, more expensive cars. Third-Party Only Car Insurance is ideal for low value cars that are already paid off. Third-Party, Fire & Theft Cover is for cars between these two options. It’s perfect for older cars that won’t be devalued too much if they get a few scrapes. But if you still need your car every day and can’t afford to do without it, the theft cover included in this type of car cover makes it perfect for you.

Do I really need cover against fire?

It might seem unlikely that your car will ever be on fire, but cars contain a lot of flammable materials. Think of the fuel, upholstery, and oil. Even though most vehicle fires progress quite slowly, there are plenty of chances for a fire in or near to a car to do serious damage. Add to that the chances of a mechanical or electrical fault in a car increasing as the car gets older, and a little leaking fluid can lead to a great big blaze.

What isn’t covered under Third-Party, Fire & Theft Car Insurance?

The main difference between Third-Party, Fire & Theft Car Insurance and Comprehensive Car Insurance is that the former doesn’t cover accidental damage to your own car. This means that if you are in an accident, you’ll have to pay to repair your car from your own pocket. You should know that if you’re in an accident that isn’t your fault and you have Third-Party, Fire & Theft Cover, you can still claim from the person who caused the accident for the damage to your car.

It’s also worth noting –  as with all of our Car Insurance policies, you aren’t covered if you don’t lock your car and your car is stolen. So be on the lookout for remote jamming when you visit the shops.


Am I covered for damage caused by attempted theft of my car?

Yes. We cover theft as well as damage caused to your car if a criminal tries to break in. This includes cover for your windows if they’re smashed and car locks if they are broken. Your car may even be damaged in an attempted hijacking. If this is the case, we know it can be expensive to repair the damage, so it’s on us.

Who are the first, second-, and third-parties?

We refer to third-parties when we talk about an accident that was your fault. But what do we even mean by this? Let’s break it down for you:

  • First-party: This is you, the person with the Budget Third-Party, Fire & Theft Insurance.

  • Second-party: This is us, your friendly neighbourhood insurance company.

Third-party: This is the person whose vehicle you’ve damaged in the accident. They lodge the insurance claim against you and that’s when you’ll need third-party cover.

Other Car Insurance Products


Third-Party Only 


This plan is one step below Third-Party, Fire & Theft. It’s plain and simple third-party liability cover. So if you cause an accident, you have the means to cover the third-party damages.


Auto Top-up


If there is a shortfall between your insurance payout and what you still owe on your stolen or written-off vehicle, we’ll cover it.


Scratch & Dent


Keep your car looking shiny and new with our Scratch & Dent policy. It pays to fix up minor scratches, chips, and dents on your car’s body.


BetterCar Value


Remember when we mentioned our best Car Insurance product back there? Well, this one’s even better. We’ll payout for a newer version of the car you already have.




This is our best Car Insurance product. It includes everything you need for peace of mind on the road – cover against theft, loss, accident, and third-party claims.


Budget Lite


We offer three Budget Lite plans, ideal for the tightest budgets. Get cover for third-party liability and depending on the plan, hail damage and theft.


Tyre & Rim Guard


No matter how careful you are on the road, potholes have a habit of appearing out of nowhere. When this happens, you can repair your damaged tyres and rims.


Motor Warranty


Get affordable cover for the mechanical and electrical faults that are bound to pop up sometime in your car.