What’s third party liability
Let’s break it down like a braai on a Saturday afternoon. Third party liability is insurance-speak for ‘Oops, I broke someone else’s stuff’. It covers you when you’re the 1 who causes an accident that damages someone else’s car or property. It won’t fix your own car, but it will save you from having to remortgage your house to fix someone else’s.
Drive smarter, not poorer
Picture this: You reverse into your neighbour’s new gate. It’s automatic. It’s imported. It’s clearly allergic to your bumper. Without third party liability? You’re paying for that gate out of your own pocket, bru. And it’s not going to be cheap. With third party liability? The king’s got your back (and your bank account).
Why it’s like having a bouncer for your bank balance
Think of third party insurance as that quiet oke at the jol who steps in just before you get told off for spilling someone’s drink. It won’t stop the accident, but it’ll stop you from dealing with the fallout alone. Because let’s face it… People are driving some fancy stuff out there. You bump into a Range Rover? That’s not just a scratch. It’s a full-blown financial crisis.
What third party liability covers
- That time you rear-ended a fancy Merc at the robot.
- The ‘I didn’t see your motorbike’ incident.
Basically, if you break someone else’s stuff while driving, this cover helps you pay for it. So you can apologise with flowers, not financial ruin.
What it doesn’t cover (soz)
- Damage to your own car. That’s on you.
- You driving like it’s the Fast & Furious (Illegal racing = no cover).
- Being under the influence.
- Unlicensed or unroadworthy cars.
Who should get third party liability
If you:
- Use words like ‘it’s just a scratch’ while holding a broken mirror.
- Want to avoid paying for a Porsche’s bumper with your life savings.
Then yes. You. Get it.
Third party options with the king
At King Price, we’ve got third party insurance for cars, motorbikes, trailers… Even for those who just need basic cover without the frills. It’s insurance that makes sense.
You can choose:
- Third party only: Basic, budget-friendly, and brilliant.
- Third party, fire and theft: Same as above, but with a bonus ‘just in case it catches fire or disappears’ clause.
Either way, your wallet will thank you.
Why third party insurance is the real MVP
It’s not flashy. It’s not full of bells and whistles. But when you least expect it… Boom, it saves your royal behind. Whether you’re a student driving dad’s hand-me-down or a parent hauling kids and chaos, this can help your budget.
If you’ve got a car, a licence, and a healthy fear of reverse parking in Sandton, then third party liability is for you. You don’t need to drive a Lamborghini to drive smart. So protect yourself from those oops moments, and let the king of insurance take care of the rest. Get a commitment-free quote today from King Price by simply clicking here or chatting to us on WhatsApp 0860 50 50 50.