Third Party Property Damage

Basic, affordable car insurance for when things go wrong

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What's included

For everyone driving your car¹

For you and everyone who drives your car¹

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 accident² (up to $5,000).

Towing

We pay for towing to a repairer or safe place if your car’s damaged by an uninsured driver².

Ridesharing

We cover you if you occasionally drive your personal car for a ridesharing service like Uber³.

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

Product Disclosure Statement Target Market Determination Premium, Excess & Discounts Guide

Want more protection for your car?

Try Third Party Fire & Theft

We have over 90 years’ experience helping Australians protect the things they care about

Find out how much Third Party Property Damage Insurance costs

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You could save on your premium with a Loyalty Discount and No Claim Bonus⁴

Learn about discounts

It only takes 10 minutes to claim and you can get it started online

Learn about claims

Have a car insurance question? We can help

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.

Where does NRMA Insurance operate in Australia?

We operate in New South Wales, Queensland, Tasmania, Australian Capital Territory, Western Australia, South Australia and the Northern Territory.

Things you should know

Cover is subject to standard underwriting guidelines and policy terms. An additional excess applies to drivers under 25 or with less than 2 years’ driving experience.
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)

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