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.

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CAR COMPREHENSIVE COLLISION CLAIM NRMA is rated 4.2 out of 5 by 9890.
Rated 1 out of 5 by from My friends thought I was joking Throughout my experience my claims and repairs experience my friends thought I was joking. I was told that the repairs for my car would be around $3000 however, it took over five months to have my car returned to me. All of this time, I only heard from NRMA twice and that is when I started to jump up and down. Every time I spoke to a friend and I told them about my car they would laugh that the repairs could take so long.
Date published: 2016-11-09
Rated 1 out of 5 by from Very disappointed I am very disqusted in the nrma service as I have been with the nrma for a very long time including 2 cars insured with the nrma. After my car is fixed I will be insuring with someone else and leaving nrma thanks
Date published: 2017-08-29
Rated 5 out of 5 by from Great service Windscreen replacement of cracked window on our bt50
Date published: 2016-02-15
Rated 5 out of 5 by from Excellent sevice My car claim was processed online, approved and paid out within days of incident.
Date published: 2016-10-31
Rated 5 out of 5 by from Excellcent Service, Quick Payment After the accident NRMA organised towing for my wife. The claims process was hassle free. Money in my account within a day of the vehicle being declared a total loss.
Date published: 2016-10-31
Rated 5 out of 5 by from Excellent service It would as so easy to lodge my claim over the phone. The repairs were completed quickly and with no fuss. Perfect!
Date published: 2016-10-29
Rated 5 out of 5 by from Great service Took bit longer time to do repair on my car but it's come in really nice condition.
Date published: 2016-10-27
Rated 5 out of 5 by from Prompt and polite service by all Staff 1.Assessor contacted us quickly, stating that the car was written off and inquiring whether we needed anything out of the car. as we were unable to retrieve anything at the time of the accident, with the car being upside down.. Very helpful! 2. We had to hire a car for 14 days and our claim money was paid in that time, car bought and hire car returned.
Date published: 2016-10-18
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