Will Car Insurance Cover Theft?

August 22, 2023 | By admin | Filed in: Car Facts.

Car Insurance and Theft

Car insurance coverage can vary widely depending on the specific policy and the insurance provider in South Africa.

Coverage for theft in South Africa

Theft coverage is a common component of most comprehensive car insurance policies in South Africa.

Comprehensive car insurance typically covers various scenarios, including theft, fire, accidents, and third-party liability. However, third party only, fire and theft cover will also cover you in the case where theft is involved. Hence why, it is more expensive than just having third-party only coverage.

Full car insurance is the best option

If you have a comprehensive car insurance policy, it’s likely that theft will be covered up to the policy’s limits and conditions.

However, it’s important to carefully review the terms and conditions of your insurance policy to understand what exactly is covered and under what circumstances.

Specific requirements on your schedule to be covered for theft

Some policies might have specific requirements, such as using anti-theft devices or parking in certain locations to maintain coverage in case of theft.


If you have a more basic or third-party insurance policy, theft might not be covered, or the coverage might be limited.

To get accurate information about your specific policy’s coverage for theft, you should reach out to your insurance provider or review your policy documents.

Always ensure that you have a clear understanding of the coverage offered by your car insurance policy to avoid any surprises in case of unfortunate events like theft. Make sure that you read through your policy clearly, and know what you will be covered for in case your car get’s stolen.

Read more about various other important information and then get the car insurance you need.

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