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


We cover your car if it’s stolen or damaged by someone trying to steal it1.


We cover damage to your car caused by fire1.

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 accident2 (up to $5,000).

Hire car after a theft

We can arrange a hire car if your car’s stolen or if can’t be driven because someone tried to break into it3.


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.

Emergency repairs

We pay for repairs you need to make after an incident we cover so your car’s secure and safe to drive (up to $800).


We cover you if you occasionally drive your car for a ridesharing service like Uber4.

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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

Our Partner Repairers’ workmanship is backed by a lifetime guarantee

Get a No Claim Bonus of up to 60% on a new policy, and a Loyalty Discount up to 25%

It only takes about 10 minutes to claim online and book an inspection

Have a car insurance question? We can help

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Things you should know

  1. You’re covered for the market value of your car, up to $10,000.

  2. Your car’s covered if we agree it was the other driver's fault and you have their name, address and rego number.

  3. 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.

  4. 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.

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If you need help, you can talk to us. Call 132 132 (7am–10pm)