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 repairs we authorise
  • 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

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CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated 4.3 out of 5 by 3186.
Rated 5 out of 5 by from Service was speedy and efficient Immediately after the accident, NRMA organised towing, smash repairs and a hire car during one phone call. Repairs were made in a shorter time than was quoted and I was happy with the repairs.
Date published: 2016-07-10
Rated 1 out of 5 by from Disappointing follow up The accident was very small a large excess was taken out (due to driver being under 25) we were told we would be contacted if the claim was less than the excess so we could opt out of using no claim bonus Received no communication. When I eventually phoned I was told a claim had been lodged which was much less than my excess paid so I asked for it to be refunded so I could settle the claim directly. I then found this was not possible but was told I would have the balance of excess refunded within a week as the repair had been dcompleted already Ihad to phone again over 2 weeks later and then I was paid.i felt if I hadn't chased it up I would not have been reimbursed.
Date published: 2015-10-09
Rated 5 out of 5 by from Great service, Excellent staff. The staff were excellent, very helpful and the whole experience was smooth and easy. They were very helpful when I had to submit a reclaim as well. Overall experience was excellent.
Date published: 2016-05-28
Rated 5 out of 5 by from FAST and EFFICIENT Easy to make a claim, very friendly efficient staff, excellent repairer, excellent service at the NRMA recommended repairer, I will stay with NRMA simply because they are so reliable and efficient.
Date published: 2016-07-02
Rated 5 out of 5 by from Very happy with NRMA. I have six policies with NRMA,and when I recently had my first 'at fault' accident,I was expecting to be given the run-around,with endless interrogation etc. Such was not the case..... I simply notified NRMA,by phone,that I had been involved in an accident and the very helpful lady took all the details that I had.There was no damage to my vehicle,so no repairs,but everything else seems to gave been managed well,as I have had no further communication from the other party,the tow company,or the repairer. NRMA has handled it all. Well done NRMA!
Date published: 2016-04-18
Rated 5 out of 5 by from Excellent service and help. Evelyn, who took my claim, was wonderful and very helpful. Very easy to make a claim and everything was taken care of by NRMA, which I greatly appreciated.
Date published: 2016-08-31
Rated 5 out of 5 by from Professional Service Great to see that the NRMA will pursue this false claim against me. It gives me peace of mind.
Date published: 2016-05-10
Rated 5 out of 5 by from Great service Very professional from the start to the finish both the Insurance claim and the repair.
Date published: 2016-04-12
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