Insurance
Comprehensive vs third-party car insurance in South Africa
When third-party only is the smarter financial decision — and when it absolutely isn't.
Roughly 65% of SA's 12 million vehicles drive without comprehensive cover. For some that is rational; for most it is a R200,000 mistake waiting to happen.
When third-party works
Vehicle market value under R60,000, fully owned, secure parking, low annual mileage.
When comprehensive is essential
Financed vehicles (the bank insists), commuter usage, anywhere with high theft rates.
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