Third Party Property Damage
Basic, affordable car insurance for when things go wrong
Third Party Property Damage
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
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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)