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 4.3 out of 5 by 8751.
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 5 out of 5 by from Exceptional Quality of Service Within one week of having my car written off, I had my insurance money in my bank, and was driving my new car
Date published: 2016-03-16
Rated 5 out of 5 by from Great Service from NRMA Insurance and Repairer Called NRMA and claim was quickly processed and Repairer notified Windscreen was replaced within 2 days
Date published: 2016-06-25
Rated 5 out of 5 by from impressed I had a windscreen replaced ages ago, told NRMA it was happening but did not actually submit the claim. A nice young person from the company rang me to remind me that I hadn't claimed. Some companies might have preferred me to forget it, but not NRMA!
Date published: 2016-04-30
Rated 5 out of 5 by from GOOD SERVICE From the time of our first phone call after our accident , to the tow truck arriving to take our ute to the panel beaters , to collecting our repaired ute , was completed quickly considering the accident happened on the eve of the Easter Weekend. My wife and I are very happy with the service from NRMA.
Date published: 2016-04-22
Rated 5 out of 5 by from Over the phone was great service, The men at the panel shop were fantastic , great service, wash the car, looked great when I picked it up .
Date published: 2016-04-02
Rated 5 out of 5 by from Windscreen Replacement - Fast Service When it became apparent that the first choice for windscreen replacement was not available, it was replaced by O'Brien Glass the same day. Very happy with service and result.
Date published: 2016-03-29
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