Third-Party Liability
Cover for damage or injury your vehicle causes to others — mandatory for any road-going vehicle.
Third-party liability cover protects you financially if your classic car causes damage to another person's property or injures a third party. While not legally mandatory in South Africa for all vehicles, virtually every rally, club event, and show will require proof of third-party liability cover before allowing you to participate. For classic cars, liability limits of R5 million to R10 million are typical minimums; specialist insurers can provide higher limits for drivers who require them.
Why This Matters for Classic Car Owners
Classic car insurance is a specialist product. Standard motor insurance was designed for vehicles that depreciate — not for collector cars that hold or increase in value. Third-Party Liability is one of the key protections that separates a proper classic car policy from a standard motor policy.
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