Third Party Fire & Theft Car Insurance

As with our Third Party Property Damage Insurance, NRMA 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 Third Party Fire and Theft Insurance is designed to give you extra peace of mind.

Do you drive for a ridesharing service like UberX?

We're making ridesharing insurance easy by including it in our car insurance products.

  • Simply get a quote and when asked if you use your vehicle for business purposes, select ridesharing
  • Existing customers, please call us on 132 132 so we can update your policy

What's covered?

  • 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 $75 a day for up to 21 days
  • Hire car excess and bonds up to $2,000

Important documents

Download the Product Disclosure Statement (PDS) and policy booklet

Download the Premium Excess and Discount Guide (PED)

Get a quote

Make a claim

Retrieve a quote

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 for the workmanship of all authorised repairs, for as long as you own the car
  • 24/7 Helpline assistance
  • Experience – we’ve been insuring Australians for over 90 years
  • No Claim Bonus - receive up to 65% No Claim Bonus if you have a good claims history

 Frequently Asked Questions

NSW Emergency Services Levy (ESL)

The NSW Government announced it's delaying changes to the ESL. With changes now on hold, we've reintroduced ESL on insurance policies.

Learn more

 Buying a second hand car? Learn more on The Hub

Buying a second hand car?
Getting the legal and safety aspects right. Learn more on The Hub

 How good a driver are you really?

How good a driver are you really?
Take our road rule quiz on The Hub and find out!

First time drivers

First time drivers

CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated 4.3 out of 5 by 6288.
Rated 5 out of 5 by from Very prompt service and good manners Repairs carried out as quick as possible! Happy with outcome
Date published: 2016-03-08
Rated 5 out of 5 by from A VERY STRESS-FREE EXPERIENCE Everything was handled for us by NRMA and the smash repairer. What could have been a traumatic experience, was all taken care of and completely stress-free. Having a hire care made a big difference too.
Date published: 2016-11-04
Rated 5 out of 5 by from Vandalism Outcome My Audi A6 Quatro with the 3 litre turbo diesel engine was my retirement gift to myself and my pride and joy. I drove into a service station which I had used several times previously and filled up. I was not aware that someone had switched the pump handles over and the one clearly marked diesel was actually E10 petrol. I drove from the Central Coast to Sydney where the car would not restart. NRMA transported the car to a mechanical workshop recommended by them and the next day catastrophic damage was reported to me. I was advised that most insurance companies will classify this type of damage as the result of neglect by the driver and will not cover repair. I was in acute shock when I rang NRMA and explained. From that point on the whole experience was one of absolute professional care and efficiency. My explanation was accepted, the car was assessed and the workshop given the go ahead to examine the damage. The assessor determined that the workshop was well equipped to deal with an Audi and kept regular very professional contact with the mechanics. It was decided that the car could be repaired, albeit at great cost, and this was done. I paid my excess and now have my beloved Audi back and am just so, so, thankful that I have had all of my insurances with NRMA since 1977.
Date published: 2016-10-18
Rated 5 out of 5 by from very caring and responsive. work done well. Great customer service. Work was completed on time with minimum fuss. No regrets at all in paying NRMA its premiums. We only have 5 insurance policies with them.
Date published: 2016-11-01
Rated 5 out of 5 by from Great service Happy with the car was repaired. The repair was very helpful
Date published: 2016-09-02
Rated 5 out of 5 by from Excellent Service I was amazed at just how easy the whole process was and was kept informed along the way as to the process of my claim
Date published: 2016-10-11
Rated 5 out of 5 by from Very easy to claim The repairs done were very good and done in about 9 days
Date published: 2016-09-24
Rated 5 out of 5 by from EXCELLENT AND CARING CUSTOMER SERVICE From the time I first rang to lodge my claim to the time I picked up my repaired vehicle I was treated with respect and consideration. All aspects of the claim were handled extremely well.
Date published: 2016-09-22
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