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This type of cover aims to put you back in the same financial position you were in before you incurred/suffered the loss/damage, as it covers your vehicle when:

  • Your vehicle gets stolen
  • Costs are incurred resulting from damages due to a failed theft incident or attempt
  • Your car is hijacked
  • Someone maliciously damages your vehicle
  • Your vehicle gets set alight
  • An unforeseen act of nature like earthquakes, fire, explosions, lightning or hail storm occurs
  • Repairs for damage to a third party vehicle and own vehicle are needed

Roadside assistance for running out of fuel, getting a flat battery or locking your keys inside your car is automatically included, allowing you access to 24/7 help when you get stuck on the side of the road. No call-out fees will be charged and your vehicle will be taken care of if you are unable to continue with your trip.

In the event of an accident, your vehicle will be towed and stored in a safe place within the borders of SA by our panel of approved towing companies.

If you are involved in a collision within the borders of SA and there are motor vehicle parts scattered on the road or your vehicle is written off, the remains will be collected and sold for salvage purposes.

We can also arrange for additional cover such as:

  • Car hire
  • Credit Short Fall (applicable when your vehicle is financed)

Third party, Fire and Theft

If your vehicle is paid off or more than 15 years old and you only need third-party cover, or cover in the event of your vehicle being stolen or burnt, this option offers a more affordable premium for you.

Third party only

This is a limited insurance cover which only pays out the third party damages up to the stated limit on the policy schedule.

Get in touch

For sales , call 0860 328 328 (option 2) or email

For claims , call 0860 328 328 (option 4) or email

For policy administration , call 0860 328 328 (option 5) or email

For complaints or compliments , call 087 736 0816 or email

Find a branch

Car insurance

Motoring peace of mind

FNB provides you with tailor-made car insurance solutions to address your personal comprehensive insurance needs.

What this is

Covered against loss and damage

FNB Insurance Brokers provides vehicle insurance that covers you against loss and damage of your vehicle, bakkie, 4X4 or motor bike. There are no restrictions on drivers, as long as they have a valid SA driver's License and the policy owner's permission. Roadside assistance is automatically included as part of the policy.


Cover options


Aims to put you back in the same financial position you were in before

Read more

Third party, fire and theft

Accidental damage to your vehicle not covered

Read more

Third party only

Where you are liable for the cost of accidental damage

Read more

What you get

Benefits that keep you covered

  • Affordable premiums - we negotiate with various Insurers in order to secure the best cover at the best price.
  • Multiple quotes from the most reputable insurance companies.
  • Basic Excess Waiver.
  • Cover for natural disasters.
  • All policies are open driver policies.
  • Free Roadside Assistance.
  • Free evaluations on specific products.
  • We can cover all your risks under 1 policy i.e. Car, Building, Home Contents and Specified All Risk Items.
  • You get comprehensive advice and recommendations on what to insure and what not to insure.
  • You get your own claims broker to look after your insurance needs.

    Optional Benefits:

    • Car Hire.
    • Comprehensive Subsidence and Landslip Cover.
    • Credit Shortfall Insurance.

Personalised cost

Risk, location + history

As with any form of insurance, there are many factors that impact your risk profile and consequently, your premium.

These include: the make and model of your vehicle; the area where you live; where your vehicle is kept at night; the driver of the vehicle; what purpose your vehicle is used for; and your previous claims history.


Getting it made easy

Car insurance

Qualifying criteria

  1. A valid SA drivers license that is a year or older, or an international driving permit
  2. A valid South African green bar coded ID or passport
  3. An insurable asset

Ways to apply

Call me back

Other ways to apply


Get in touch

Visit your nearest FNB branch

Documents needed

  • South African ID book/card
  • Proof of residence (in your name, not older than 3 months)

FNB Insurance Brokers, a business unit of FNB Business, a division of FirstRand Bank Limited.
An authorised Financial Services and Credit Provider (NCRCP20)
Registration No: 1929/001225/06 FSP Licence No: 20081

Terms and conditions apply