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 4.3 out of 5 by 8111.
Rated 5 out of 5 by from very good service very satisfied with my repairs and my refund was promptly processed and received
Date published: 2016-06-10
Rated 1 out of 5 by from Great excuse to get fit Thanks for taking more than 3 months to fix a small ding in the back of my car. Its given me lots of opportunity to walk everywhere and meet lots of interesting people on public transport.
Date published: 2016-05-20
Rated 5 out of 5 by from Great service I am very happy with my repairs.They did an excellent job.
Date published: 2016-05-20
Rated 1 out of 5 by from Absolutely disgusting Nrma insisted I was not at fault and they drag this on for 12 months to save their own financial invests(to avoid a payout to third party) , then when up cane to crunch time they didn't want to go to court and instead demanded I take responsibility. Nrma simply looked out for nrma and stuffed me around in the process. Absolutely disgusting. Had to get FOS involved. Nrma were difficult and argumentative.
Date published: 2016-01-22
Rated 5 out of 5 by from Great Courtesy. Great service. Granting "go ahead" to carry out the repair job was quick.
Date published: 2016-06-19
Rated 5 out of 5 by from Excellent service As per quoted time excellent work pleasant employees.
Date published: 2016-03-22
Rated 3 out of 5 by from Service was great once car was actually in for rep Happy with work carried out, not happy with the assessors assumptions, yes I hit a Kangaroo and at the time the damage was assessed but 2 weeks late the drivers mirror falls off where the kangaroo fell after the collision, he declined that the mirror would be replaced in this claim, HOW CAN HE SAY THAT THE KANGAROO DID NOT CAUSE A FRACTURE AND THE MIRROR TO FALL OFF, mirrors don't just fall off without a reason. My wife and I have been insured with NRMA for over 35 years and only ever made one claim, between our private cars and business we have 7 vehicles insured with NRMA and find his ignorance and people skills poor.
Date published: 2015-09-22
Rated 5 out of 5 by from Excellent Service I was amazed at just how easy the whole process was and was kept informed along the way as to the process of my claim
Date published: 2016-10-11
  • y_2018, m_5, d_19, h_21
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.8
  • cp_1, bvpage1
  • co_hasreviews, tv_3624, tr_4487
  • loc_en_AU, sid_NRMA_CLAIM_CRCP_COLL, prod, sort_[SortEntry(order=HELPFULNESS, direction=DESCENDING), SortEntry(order=POSITIVE_FEEDBACK, direction=DESCENDING), SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_nrma
  • bvseo_sdk, p_sdk, 3.1.0
  • CLOUD, getContent, 6.26ms