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
For full details including limits, conditions and exclusions, read these policy documents
Want to cover your car for more than just fire and theft?
Have a car insurance question? We can help
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).
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).
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.
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.
We operate in New South Wales, Queensland, Tasmania, Australian Capital Territory, Western Australia, South Australia and the Northern Territory.
Things you should know
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.
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.
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