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

5 apps for drivers

5 apps for drivers
Technology that can help you on the road. Read this article on The Hub

5 newbie driver survival skills

5 newbie driver survival skills
What you didn’t learn in driving classes that you need to know. Learn more at The Hub

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, 18.98ms
  • REVIEWS, PRODUCT