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

Save 50% on your new Third Party Fire and Theft policy

Until 19 December 2021, you could get 50% off your premium when you take out a new NRMA Insurance Third Party Fire and Theft policy1.

Offer available in NSW, QLD, ACT and TAS only. Minimum premiums may apply, read the full terms and conditions.

What’s included

For you and everyone who drives your car2

For you and everyone who drives your car2


We cover your car if it’s stolen or damaged by someone trying to steal it (up to $10,000)3.


We cover damage to your car caused by fire (up to $10,000)3.

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)4.

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 it5.


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 Uber6.

See more

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

You could save on the cost of your policy with a Loyalty Discount and No Claim Bonus7

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

Have a car insurance question? We can help

Things you should know

  1. This offer only applies to new NRMA Insurance Third Party Fire and Theft Car Insurance policies taken out between 22 October 2021 to 19 December 2021 with a NSW, QLD, ACT or TAS risk address only. Offer will not be applied to any additional premium payable for any amendments you make to your policy after you take it out, or to any renewal of your policy. Minimum premiums may apply. This offer cannot be used in conjunction with any other offer. See the full terms and conditions

  2. Cover is subject to standard underwriting guidelines and policy terms. An additional excess applies to drivers under 25 or with less than 2 years’ driving experience.

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

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

  5. 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.

  6. 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.

  7. 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)