Third Party Fire and Theft car insurance

Average customer rating: 4.3/5

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Top 3 things to know about Third Party Fire and Theft car insurance

1

What it covers

Third Party Fire and Theft insurance covers damages you cause to other people’s cars and property, as well as your own car in instances of fire and theft.

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2

Factors that affect your premium

Your age, gender and location are just a few things your insurer may consider when calculating your premiums.

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3

Reducing your premium

Restricting the driver age on your policy, increasing your excess and discounts are ways you could save on your premiums.

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Ratings as of 05/12/2023

A guide to Third Party Fire and Theft car insurance

Updated 15 May 2024
Written by Kenneth Young
Reviewed by Adrian Taylor

Expert tips on Third Party Fire and Theft car insurance

Our car insurance expert, Adrian Taylor, has some tips for Australians with a Third Party Fire and Theft car insurance policy.

Adrian Taylor
Executive General Manager – General Insurance

Update your policy when you relocate

Where you live and park your car will have an impact on the premium you pay. Notify your insurer when you move to ensure your policy remains valid for your car.

You can switch your car insurance at any time

You don’t have to wait for your renewal notice to arrive to switch. If you’ve paid your premium in full upfront, you’ll receive a pro-rata refund for the unused period of insurance (if no claim has been made on the policy). Just keep in mind that if you switch before the renewal date, some policies may include cancellation fees.

Always read the policy documents carefully

Whether comparing Third Party Fire and Theft or comprehensive cover, it’s always wise to check the inclusions and exclusions in the relevant Product Disclosure Statement (PDS). The Target Market Determination (TMD) may also help you figure out if the product is right for you.

The basics of Third Party Fire and Theft insurance

What does Third Party Fire and Theft car insurance cover?

How does Third Party Fire and Theft compare to other car insurance policies?

Can I choose who repairs my vehicle?

Standard inclusions and optional cover

Does Third Party Fire and Theft cover learner drivers?

Can I get roadside assistance with Third Party Fire and Theft insurance?

What if an uninsured driver hits my car?

Are aftermarket upgrades covered by Third Party Fire and Theft insurance?

Premiums

How is the cost of Third Party Fire and Theft insurance calculated?

How can I reduce the cost of my Third Party Fire and Theft cover?

Meet our car insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As Executive General Manager of General Insurance at Compare the Market, Adrian Taylor is passionate about demystifying car insurance for consumers, so they have a better understanding of what they’re covered for. Adrian’s goal is to make more information available from more insurers, to make it easier to compare and save.