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Reliable and affordable Third Party Insurance
Get out there and grow your business, knowing that you’ve got a 1st for Women Car Insurance policy to fall back on in times of need.
Get Covered by Third-Party Insurance?
If you’re looking for an affordable, no-frills way to protect yourself from the financial impact of road accidents, 1st for Women’s Third-party Car Insurance could be the perfect fit. It’s a straightforward plan designed to protect you if you cause damage to someone else’s property while driving – without paying for extras you don’t need.
With this policy, you’re covered for the cost of repairing or replacing another person’s vehicle or property if you’re found at fault in an accident.
What’s Covered?
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Damage to someone else’s car if you cause an accident.
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Damage to other property, such as walls, fences, gates, or street infrastructure.
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Legal costs if the third party takes action against you, up to your policy limits.
What’s Not Covered?
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Your own vehicle repairs or replacement – you’ll need to cover these yourself.
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Injuries you sustain in the accident.
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Damage caused under excluded circumstances, such as driving under the influence, using your vehicle for undeclared commercial purposes, or letting an unlicensed driver use your car.
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Wear and tear, mechanical breakdowns, or damage unrelated to an accident.
We automatically include a range of benefits specifically designed to give you a helping hand when you need it most.
Guardian Angel
Get Guardian Angel on Call, the in-app crash detector that sends emergency help if you have a serious accudent on the road.
Assist
Trip monitor that checks in with you every 30 minutes to make sure you reach your destination safely.
Tow Truck
Get a trackable tow truck if your car breaks down or you've had an accident and your vehicle isn't driveable
Why Choose Third-party Car Insurance with First for Women?
Third-party Insurance offers peace of mind without the higher premiums of comprehensive cover. It’s particularly well-suited for:
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Owners of older or low-value vehicles who can afford to repair or replace their own car if needed.
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Drivers who want protection from large, unexpected bills if they damage a high-value vehicle or expensive property.
By choosing 1st for Women, you also benefit from our reputation for understanding and supporting women on the road. Our policies are tailored with care, giving you essential protection while keeping costs manageable, so you can drive with confidence knowing you’re covered where it matters most.
Frequently Asked Questions
What is Third-party Insurance?
What does Third-party Insurance cover?
Should I get Comprehensive Car Insurance or Third-party?
What is legal liability?
Why Choose Third-party Car Insurance with First for Women?
Choose award winning insurance
First for putting her first, consistently
We're honoured to be awarded as the Top Short-Term Insurer within the short-term Insurance category in the ASK AFRICA Orange IndexTM 2026/2027. Over the past decade, First for Women is the only insurer to have claimed the Top Short-Term Insurer title three times in the ASK AFRICA Orange IndexTM Short-Term Insurance category rankings between 2017 and 2027. This recognition reflects our long-standing commitment to putting women first through exceptional service, trusted relationships, and industry-leading customer experiences.*Based on the Ask Africa Orange Index Short-Term Insurance category rankings from 2017 to 2027"
First for putting her first, consistently
We're honoured to be awarded as the Top Short-Term Insurer within the short-term Insurance category in the ASK AFRICA Orange IndexTM 2026/2027. Over the past decade, First for Women is the only insurer to have claimed the Top Short-Term Insurer title three times in the ASK AFRICA Orange IndexTM Short-Term Insurance category rankings between 2017 and 2027. This recognition reflects our long-standing commitment to putting women first through exceptional service, trusted relationships, and industry-leading customer experiences.*Based on the Ask Africa Orange Index Short-Term Insurance category rankings from 2017 to 2027"
Worlds best insurance companies 2023-2026
Our ongoing commitment to her first resonates on a global level. We are proud and humbled to be included in the Forbes and Statista World’s Best Insurance Companies 2023 to 2026 List.
Worlds best insurance companies 2023-2026
Our ongoing commitment to her first resonates on a global level. We are proud and humbled to be included in the Forbes and Statista World’s Best Insurance Companies 2023 to 2026 List.
We’re proud to be rated an excellent 9.2*/10 for service excellence.
*Based on customer feedback from internal surveys following service interactions.
We’re proud to be rated an excellent 9.2*/10 for service excellence.
*Based on customer feedback from internal surveys following service interactions.
Keep your car looking as good as ever with Scratch & Dent. We’ll pay to repair those annoying light scratches, dents, and chips.
Depending on how much you owe on your car, an insurance payout may not cover your debt. Auto Top Up fills the gap and covers it for you.
When things go wrong with the electrics or mechanics of your car, we’ll be there to help cover the costs of replacing or repairing the damaged parts.
Third Party Car Insurance Quote
Get a Third Party Car Insurance Quote online in minutes and make the switch to 1st for Women now.
Key Car Insurance Terms
Third-party Liability:
This is the foundation of third-party insurance. It protects you financially if you’re held responsible for damaging another person’s property, typically their car, or causing them injury. While it won’t cover repairs to your own vehicle, it can prevent you from facing large repair or legal bills personally.
Property Damage Limit:
This refers to the highest amount your insurer will pay towards repairing or replacing another person’s property after an accident you caused. For instance, if your limit is R1 million and the total damage amounts to R900,000, the claim is fully covered. If it exceeds that limit, you’ll need to pay the remainder yourself.
Bodily Injury Liability:
Should you injure someone in an accident and be found legally at fault, this covers expenses such as medical treatment, rehabilitation, or loss of income. While the Road Accident Fund in South Africa may cover certain costs, this benefit offers extra financial security in specific scenarios.
Excess (Deductible):
This is the portion of a claim you must pay before your insurer contributes. For example, if another driver’s damage costs R20,000 and your excess is R2,000, you’ll pay that amount upfront and your insurer will settle the remaining R18,000.
Legal Costs Cover:
Some third-party policies include cover for legal expenses if the other party pursues action against you. This may include attorney fees, court charges, and settlement costs, subject to your policy limits.
Exclusions:
These are circumstances where your policy won’t provide cover, such as driving while intoxicated, using your vehicle for undeclared commercial purposes, or allowing an unlicensed driver to operate it. Being aware of exclusions helps prevent claim rejections.
Optional Add-Ons:
Many insurers offer the option to enhance your third-party policy with extra benefits, such as roadside assistance, towing cover for the other party’s vehicle, or limited protection for your own car through third-party, fire, and theft cover.