Third Party Property Damage
Basic, affordable car insurance for when things go wrong
Third Party Property Damage
What's included
For everyone driving your car
For you and everyone who drives your car
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 uninsured
We cover damage to your car if an uninsured driver causes an accident1 (up to $5,000).
Towing
We pay for towing to a repairer or safe place if your car’s damaged by an uninsured driver1.
Ridesharing
We cover you if you occasionally drive your personal car for a ridesharing service like Uber2.
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).
Storm, hail or flood
Damage caused by some severe weather events isn’t covered, (but it is with Comprehensive Insurance).
Roadside assistance
It’s not covered by your policy but, when you’re with us, get a discount on NRMA roadside assistance*.
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
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What's Third Party Property Damage Insurance for?
The main thing you get with Third Party Property Damage Insurance is ‘liability cover’.
It’s a basic level of cover (all our car insurance policies come with liability cover up to $20 million).
It covers you for damage you cause to other people’s cars or property in an accident.
Can I pay for my car insurance monthly?
Yes, you can pay by the month for your car insurance.
You’ll still pay for 12 months of insurance, but we’ll spread the payments out over the year.
You’ll save money if you pay for the whole year at once but, if monthly is better for you, choose it when you get a quote.
If a learner driver uses my car, do I need to list them on my policy?
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.
Things you should know
Your car’s covered if we agree it was the other driver's fault and you have their name, address and rego number.
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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If you need help, you can talk to us. Call 132 132 (7am–10pm)