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 4.2 out of 5 by 10089.
Rated 5 out of 5 by from Great service My repairs were completed ahead of schedule. Standard of workmanship met my high expectations. .
Date published: 2016-06-09
Rated 5 out of 5 by from Great service Windscreen replacement of cracked window on our bt50
Date published: 2016-02-15
Rated 1 out of 5 by from Hopeless, false, pathetic, incompetent Took 20+ days for NRMA to respond to our claim. Claims & Customer Service provided conflicting information as if no one had any idea of policies or procedures. Failed to respond to emails, phone calls, webchats or facebook contact
Date published: 2018-11-12
Rated 1 out of 5 by from Terrible client focus A simple repair turned into a debate about damage done to my car while in the shop. Efforts were made but weeks on the matter is unresolved and commitments are yet again being missed.
Date published: 2018-07-19
Rated 5 out of 5 by from Great service - cannot fault Ok - this isn't the first time I have dealt with NRMA and I have to say each time they where right there to help me. Insurance premiums cheaper and personal contact FAR superior than any other insurance company we have dealt with. I'm only sorry I haven't any photos to show.
Date published: 2016-05-04
Rated 1 out of 5 by from I have emailed motorclaims@nrma.com.au with compla I have emailed motorclaims@nrma.com.au with complaints about the treatment I got from the repairer and have not received any reply after a week
Date published: 2018-08-27
Rated 5 out of 5 by from Great coverage Hi. my claim was from a wind gust at approx. 125kms p/h that pressure smashed my back cab window while I was loading it , in turn sending shreds of glass across the sides and roof of my Hilux to which the shreds of glass cut down in to the base metal on multiple area's of my truck of my Hilux's back , roof and sides. I'm just so glad no one was standing down wind of the Hilux as they would of been severely facially disfigures and cut to pieces . This incident still haunts me mentally :-(((
Date published: 2017-02-19
Rated 1 out of 5 by from hail damage in the country It seems that living in a country area and claiming for hail damage is not an easy claim for NRMA. After many phone calls it seems all hail damage claims have to be assessed and repaired by selected repairers who live a long way away. We were told to drive three hours for an assessment and then once the damage was assessed the car would be taken away for an extended period. The inconvenience and poor communication that followed continued for 10 months and in utter frustration we took a cash payment to go find our own repairer. The cash payment will not cover the damage which has been worsened by the time waiting for repair. Be warned if you live in a rural or coastal town hail damage is not an easy claim.
Date published: 2017-01-10
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