Leave your details and we’ll call you back with a quote
HER FIRST, THEN HER EVERY THING
WITH 3rd PARTY, FIRE & THEFT
INSURANCE
A dedicated pink roadside and accident assistance fleet 24/7 Petrol and Flat Battery Assistance Get a lift to your destination during a car emergency
24/7 Roadside Assistance Panic button for you and loved ones Get home safely with the Trip Monitor
What is Third Party, Fire and Theft Insurance?
Third-party Fire and Theft Car Insurance from First for Women is a dependable choice for reliable protection at a cost-effective price. It gives you practical cover without stretching your budget.
It protects you in three important ways: if your car is stolen, damaged in a fire, or you accidentally damage someone else’s car or property.
While it doesn’t cover accidental damage to your own car (like if you reverse into a pole or get caught in a bumper bashing), it still covers some of the biggest risks you might face on the road.
That means you’ll have peace of mind if your car is stolen or if someone holds you responsible for an accident.
And because we know life doesn’t stop when something goes wrong, at an additional cost, you can choose to
-
Cover for your sound system
-
Windscreen repairs or replacement
-
Your canopy, if you have one
-
A rental car if yours is stolen, and you still need to get around
Third-party Fire and Theft is a great in-between option, offering more cover than just Third-Party Insurance. You get to stay protected from some of the big “what-ifs” and stay within your budget.
At First for Women, we’re here to help you protect what matters—so you can drive with more peace of mind, knowing you’re covered where it really counts.
The panic button assists with alerting external help during emergencies for example, a hijacking and other emergency situations where you feel unsafe.
Use our range of assist benefits when you need help on the road, at home, in a medical crisis, with your tax and finance matters, or to book any entertainment events.
Request a tow truck through our app and track the tow truck as it makes its way to your location.
About Third Party Insurance Benefits
Our Car Insurance and the associated benefits are specifically designed for women, helping you when you need it most and keeping you and your loved ones safe. With Third Party, Fire and Theft Insurance, we automatically include all of the following assist benefits:
Guardian Angel on Call
When you’re with 1st for Women, you carry around your very own guardian angel wherever you go. Our Guardian Angel on Call comes with 24/7 accident and roadside assistance through the 1st for Women App. With the new 1st for Women panic button – help is available to you 24/7.
Guardian Angel Lifestyle Assistance
Our Lifestyle Assistance benefits have been specifically designed to help you in difficult situations and make your life easier and more convenient.
Assist Benefits
Road Assist
Specifically designed to ease your worries when you’re stranded at the side of the road. Our Guardian Angel will bring you fuel, change a flat tyre, unlock your car if you locked your keys inside, and even wait with you while additional help arrives so you feel safe.
Home Assist
A home emergency shouldn’t turn into a crisis. Our Guardian Angel will arrange for an emergency plumber, electrician, glazier, or locksmith to get to your place in no time, and cover the cost of the call-out plus one hour’s labour.
Medical Assist
Our emergency medical assist provider’s contact number will appear on your app and you will be asked to make the phone call to their contact centre. A trained and qualified emergency medical agent will answer your call and assist you. They will assess the situation and will dispatch EMS to assist you if necessary.
Is Third Party, Fire and Theft worth it?
What’s covered by third party, fire and theft insurance?
What’s not covered by third party fire and theft?
What’s the difference between third party, fire and theft, and comprehensive insurance?
We’re proud to be rated an excellent 9.2*/10 for service excellence.
*Based on customer feedback from internal surveys following service interactions.
With Auto Top-Up Plus, you don’t need to worry about having a shortfall if your insurance doesn’t pay out enough. We’ll cover the remaining debt on your financing agreement.
Our Scratch & Dent policy pays to fix light and little scratches, dents and chips on the exterior of your car.
Risky roads don't need to stop you from getting to where you need to go. We will cover repair or replacement of damaged tyres or rims. To give you more value, we will also cover puncture repairs, wheel alignment and more.
Your car isn’t invincible. Someday it may experience a mechanical or electrical fault. When it does, we can help you pay for the repairs or replacement.
Third Party, Fire and Theft Car Insurance Quote
Get a Third Party, Fire and Theft Car Insurance Quote online in minutes.
Key Third-party Fire and Theft Insurance Cover Terms
Excess (also known as a deductible):
This is the amount you agree to pay out of your own pocket when a claim in made on your policy. For example, if your car is stolen and your excess is R3,000, your insurer will subtract that amount from the payout. At First for Women, the excess is standard.
Fire damage:
If your car is damaged or destroyed by fire, your Third-party Fire and Theft policy covers the cost of repairs or, in severe cases, the replacement value of the vehicle. Fire damage claims typically require proof of the cause, such as an electrical fault or arson.
Theft cover:
This protects you if your car is stolen or if someone tries to steal it and causes damage. If your car isn’t recovered, your insurer may pay out its insured value, minus the excess.
Third-party claim:
This refers to a claim made by another person for damage you’ve caused to their vehicle or property. Your insurance will pay for their losses, but not for damage to your own vehicle in an accident.
Premium:
Your premium is the amount you pay monthly for your insurance coverage. The cost depends on your risk profile, the make and model of your car, your claims history, and whether you park in a secure location.
Market value:
This is the amount your car would have been worth just before it was stolen or damaged beyond repair. It’s based on the vehicle’s age, mileage, and condition, not its original purchase price.
Policy exclusions:
These are specific situations or events that your insurer won’t cover. For third-party, fire and theft policies, exclusions may include mechanical breakdown, wear and tear, or accidents in which your own vehicle is damaged.