What's Third Party Property Damage Insurance for?

If an incident is your fault:

• Comprehensive Plus: Automatically included
• Comprehensive: Available as an option
• Comprehensive Basics: Not available
• Third Party Fire and Theft: Not available
• Third Party Property Damage: Not available

If the incident is not your fault:

• Comprehensive Plus: Automatically included
• Comprehensive: Automatically included
• Comprehensive Basics: Not available
• Third Party Fire and Theft: Not available
• Third Party Property Damage: Not available

For Classic Car policies

Hire car after an incident is available as an option for new and renewing Classic Car policies. If this option is chosen, a hire car is available after any incident we cover, whether or not the incident is your fault.

For more information, see our Product Disclosure Statement.

Your policy covers liability claims made against you for any one incident up to $20 million. This includes legal costs when our lawyers handle your claim.

To understand what we cover under liability, please read the Product Disclosure Statement (PDS)

It's important to get the names and contact details of everyone involved at the scene of the accident. Once you provide us with their details, we'll communicate with them on your behalf.

You can easily provide us with their details online when you make a claim.

NRMA Insurance have partnerships with specialist repairers and suppliers.

We engage these partners to assist in your claims process as they can best organise to return you to the position you were in before your claim.

Rest assured that we only engage suitably qualified repairers and leading retailers that we work closely with to assist with your claim.

If you have Comprehensive cover (including Comprehensive Plus and Comprehensive Basics), and the incident you're claiming for is covered under your policy, you can claim taxi fares or rideshare service fees for getting home from an accident, or getting to and from your repairer or hire car provider.

Depending on your level of cover, you can claim these costs of:

• Up to $250 if you have Comprehensive Plus
• Up to $150 if you have Comprehensive
• Up to $75 if you have Comprehensive Basics.

If you are more than 100kms from home and your car can’t be driven after an incident we cover, we’ll cover the costs of emergency transport and accommodation:

• Up to $1,500 if you have Comprehensive Plus
• Up to $1,000 if you have Comprehensive
• Up to $750 if you have Comprehensive Basics or Third Party Fire & Theft.

To make sure you’re covered, let us know before arranging your transport and/or emergency accommodation.

For more information, see our Product Disclosure Statement.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

Run-off liability provides continued cover for claims made against you or your business after your business has closed, been sold, or you’ve retired. It can help cover legal fees or compensation you may need to pay.

Usually, run-off liability is not automatically included in your policy and needs to be requested. If personal injury or property damage occurs after your policy is cancelled, you won’t have cover unless you took up run-off liability.