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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 a market value of $10,000, NRMA Insurance Third Party Fire and Theft is designed to give you extra peace of mind.

  In NSW, what’s the difference between

Compulsory Third Party Insurance (CTP)
& Third Party Property Damage Insurance?

Watch our video to find out

Additional Content: 

Why choose NRMA Insurance?

  •  With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save
  •  Cover of up to $5,000 if your vehicle is damaged in a crash with an at fault driver 
  •  Lifetime guarantee on repairs we authorise 
  •  24/7 Helpline assistance
  •  Experience – we’ve been insuring Australians for over 85 years

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 a collision or crash 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 a collision or crash 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 a collision or crash           
Damage to your car caused by vandals or malicious acts          
Damage to your car caused by storms          
Damage to your car caused by floods          
Replacement of your car’s keys, locks & barrels          

 Other benefits

Loss or damage to your personal items       
 (up to $500)
 
(up to $500)
 
(up to $500)
 
Loss or damage to your tools of trade       
up to $1,500
(business use vehicles)

 

up to $1,500
(business use vehicles)

   
Automatic cover for modifications, options and accessories           
Loss or damage to baby capsules or child seats    

 

up to $500
(for each baby capsule)

 

up to $500
(for each baby capsule)

   
Emergency repairs   

 

 

(up to $800)

 

(up to $800)

 

(up to $500)

 
Lifetime guarantee on repairs we authorise             
Towing            
Loss or damage caused to a trailer or caravan you are towing     

 

(up to $1,000) 

 

(up to $1,000) 

 

Trailer only
(up to $500)

 
Your uninsured loss recovery             
 Glass protection
Damage to your car’s windscreen, sunroof and window glass        No excess to pay  
Eliminate your windscreen excess     Optional     
 Your brand new car
New replacement car if your car is written off in its first 2 years.          
 Car value
Agreed value of your car          
Market value          
 Your Discounts
No Claim Bonus for a good claims history          
Eligibility for life time No Claim Bonus          
Loyalty Discount          
Fuel efficient vehicle savings          
 Keeping you mobile whilst your car is being repaired
Hire car after theft or attempted theft   Up to $65 a day
up to 21 days
Up to $65 a day
up to 21 days
  *  
We can provide you with a hire car after an incident    

Optional up to $65 a day

up to 14 days 

  *  
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**          
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* Unlimited car hire up to $95 per day until your car is repaired or your claim is settled
** Up to $250 in taxi fares if you need a taxi home from an accident, as well as to and from the repairer or hire car centre.

Third Party Property Damage Insurance discounts and savings

 Loyalty Discount - save up to 25% on your premium as a loyal NRMA Insurance customer
 No Claim Bonus - receive up to 65% No Claim Bonus if you have a good claims history

Discover more about Loyalty Discount

What level of cover do I get for my money?

  •  Fire damage to your car up to a market value of $10,000
  •  Theft or attempted theft up to a market value of $10,000
  •  Damage you cause to someone else’s car or property (up to $20 million) 
  •  Cover of up to $5,000 if your vehicle is damaged in a crash with an at fault driver
  •  Hire car after theft or attempted theft up to $65 a day for up to 21 days

   Hire car excess and bonds up to $2,000

Please read our Car Insurance Product Disclosure Statement for more details.

 

 Want our highest level of cover for your car? Choose
Comprehensive Plus Car Insurance

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