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Third Party Fire & Theft Car Insurance
As with our Third Party Property Damage cover, NRMA Insurance Third Party Fire and Theft Car Insurance covers you for damage you cause to someone else's car or property up to $20 million.
However, with additional fire and theft protection for your own car up to its market value or $10,000 (whichever is less), NRMA Insurance Third Party Fire and Theft is designed to give you extra peace of mind.
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In NSW what’s the difference between:
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What level of cover do I get for my money?
- Fire damage to your car up to its market value or $10,000 (whichever is less)
- Theft or attempted theft up to its market value or a maximum of $10,000 (whichever is less)
- Damage you cause to another car
- Damage you cause to someone else’s property
- Damage to your car caused by an uninsured motorist up to $5,000 if you are not at-fault
- Liability cover
Please read our Car Insurance Product Disclosure Statement for more details.
Comprehensive Plus Car Insurance
View a comparison of our Car Insurance products
| FEATURES | ![]() BASIC COVER
Third party property damage
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![]() INTERMEDIATE COVER
Third party fire & theft
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![]() COMPREHENSIVE COVER
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![]() COMPREHENSIVE PLUS COVER
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![]() VETERAN, VINTAGE & CLASSIC VEHICLE COVER
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| Damage to someone else’s property | |||||
| Damage to someone else’s property (such as a vehicle, fence or building) | |||||
| Damage to your car | |||||
| Damage to your car if you are not at fault in an accident or collision and the other vehicle is uninsured | Up to a market value of $5,000 | Up to a market value of $5,000 | |||
| Damage to your car if you are not at fault in an accident or collision and the other vehicle is insured | Up to a market value of $5,000 | ||||
| Damage to your car caused by fire | Up to a market value of $10,000 | ||||
| Damage to your car caused by thieves | Up to a market value of $10,000 | ||||
| Damage to your car if you are at fault in an accident or collision | |||||
| Damage to your car caused by malicious acts or vandals | |||||
| Damage to your car caused by storms | |||||
| Damage to your car caused by floods | |||||
| Replacement of your car’s keys, locks & barrels | |||||
| Glass protection | |||||
| Damage to your car’s windscreen, sunroof and window glass damage | No excess to pay | ||||
| Eliminate your windscreen excess | optional extra $55 annually | ||||
| Your brand new car | |||||
| New replacement car if your new car is written off in its first 2 years. | |||||
| Car Value | |||||
| Agreed value of your car | |||||
| Your Discounts | |||||
| Eligibility for life time No Claim Discount | |||||
| Protect your No Claim Discount | Optional extra | Optional extra | |||
| Multi policy discount | |||||
| Years of insurance discount | |||||
| Fuel efficient vehicle savings | |||||
| Keeping you mobile whilst your car is repaired | |||||
| We provide you with a hire car for all claims | "Optional extra $55 annually Up to 14 days" | Unlimited * | |||
| We can pick your car up to be fixed | |||||
| We can deliver your car to you when it’s fixed | |||||
| Taxi transport to keep you mobile** | |||||
| Hire car after theft or attempted theft | Up to 21 days | Up to 21 days | Unlimited * | ||
| Expand All | |||||
Why choose NRMA Insurance?
- Save when you hold multiple qualifying products with NRMA Insurance
- Lifetime guarantee on the workmanship of authorised repairs
- 24/7 Helpline assistance
- Experience – we’ve been insuring Australians for over 85 years







