Third Party Fire & Theft
Car insurance that covers your car if it's stolen or catches fire, and covers other people's cars and property if you cause an accident
Third Party Fire & Theft
What’s included
For you and everyone who drives your car
Theft
We cover your car if it’s stolen or damaged by someone trying to steal it (up to $10,000)1.
Fire
We cover damage to your car caused by fire (up to $10,000)1.
Damage to others’ property
We cover damage you cause to other people’s cars or property in an accident (up to $20 million).
Accidents caused by other drivers
We cover damage to your car if another driver causes an accident (up to $5,000)2.
Hire car after a theft
We can arrange a hire car if your car’s stolen or can’t be driven because someone tried to break into it3.
Towing
We pay for towing to a repairer or safe place if your car can’t be driven after a fire, attempted theft, or an accident that’s not your fault.
Not included
There are some things we don’t cover
Damage you cause to your car
If you cause an accident, we don’t cover damage to your car (but we do with Comprehensive Insurance).
Roadside assistance
It’s not covered by your policy but, when you’re with us, you can get a discount on NRMA roadside assistance*.
Storm, hail or flood
Damage caused by some severe weather isn’t covered (but it is with Comprehensive Insurance).
Injuries to you or others
Injuries are covered by your mandatory CTP Green Slip.
Policy booklets
For full details including limits, conditions and exclusions, read these policy documents
Want to cover your car for more than just fire and theft?
We have over 90 years’ experience helping Australians protect the things they care about
You could save on the cost of your policy with a Loyalty Discount and No Claim Bonus5
Have a car insurance question? We can help
What does market value mean?
Market value means we work out how much your car’s worth at the time you make a claim, and then cover your car for that amount.
To work out the market value, we use things like local market prices, your car’s age, its condition, and any modifications or extras.
This is different to agreed value, which is where you choose the amount to insure your car for (from a range we give you).
With Third Party Fire & Theft Insurance, we cover your car for its market value, up to a maximum of $10,000 (minus any deductions).
Are my car’s modifications and extras included?
Yes, your car’s mods (like alloy wheels, spoilers and tow bars) are automatically covered.
If you have Third Party Fire & Theft Insurance and you make a claim, we include your extras and modifications in the market value of your car (up to a maximum of $10,000).
If a learner driver uses my car, do I need to list them on my policy?
You don’t need to list them on your policy unless they’re the registered owner of the car.
So, for example, if you own your car and your son or daughter is learning to drive, we’ll cover them even if they’re not listed.
Who repairs my car if I make a claim?
If your car’s damaged by fire or by someone trying to break into it, we’ll arrange for one of our Partner Repairers to fix it.
We have Partner Repairers across Australia, and we back the workmanship of their repairs with a lifetime guarantee.
Things you should know
You’re covered for the market value of your car, up to $10,000.
Your car’s covered if we agree it was the other driver's fault and you have their name, address and rego number.
We cover you up to $75 per day for a hire car until your car’s recovered and repaired, your claim’s paid as a total loss, or for 21 days (whichever’s first). We don’t cover running costs for the hire car like petrol, tolls or a GPS.
You’re covered if you’ve told us you’re using your own personal car for ridesharing and pay any extra premium. Only owners listed on the policy are covered when using the car for ridesharing.
Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more with more eligible policies and by staying with us longer if a minimum premium is reached, or we have limited increases or decreases in your premium.
Have another policy with us? Log in to see how much you could save
If you need help, you can talk to us. Call 132 132 (7am–10pm)