Third Party Property Damage Car Insurance

At NRMA Insurance, we offer two levels of Third Party Car Insurance:

Third Party Property Damage offers a basic level of protection covering you for damage you cause to someone else's car or property. It also covers damage to your car caused by an at fault driver for up to $5,000.

Third Party Fire & Theft Car Insurance offers all the protection of Third Party Property Damage as well as additional fire and theft protection for your own car up to $10,000. View this cover

What's covered?

  • Damage you cause to someone else's car or property up to $20 million
  • Cover up to $5,000 if your vehicle is damaged in a crash with an uninsured at fault driver

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
  • Lifetime guarantee on authorised repairs, as long as you're the owner of your 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

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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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