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What is Third Party Fire and Theft car insurance, and what does it cover?


With Third Party Fire and Theft car insurance, you’ll be covered for any damage you cause to someone else’s property, as well as fire and theft damage to your car.

While it doesn’t cover everything, it can provide peace of mind when you’re on the road.

Want to protect your vehicle? We’ve got your back. Simples.

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Frequently asked questions

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

Third Party Fire and Theft car insurance isn’t the cheapest type of car insurance around, but it’s also not the most expensive. Here’s how it compares to Comprehensive car insurance (the highest level of car cover) and Third Party Property insurance (which provides a lower level of coverage).

What does car insurance include?
Third Party PropertyThird Party Fire and TheftComprehensive
  • damage to other cars
  • damage to other belongings and property when you cause an incident
  • damage to your vehicle from fire
  • theft of your vehicle and related damages
  • damage to other vehicles, belongings and property when you cause an incident
  • damage to your vehicle, regardless of who’s responsible
  • new vehicle replacement if your car is written off (if it’s included in your policy)
  • damage from vandalism
  • damage to your vehicle from fire
  • theft of your vehicle and related damages
  • damage to other vehicles, belongings and property when you cause an incident

Legal liability for any injuries you cause to other people is covered in Compulsory Third Party (CTP) insurance (also called Green Slip insurance in New South Wales). This is generally included in your vehicle’s registration, except for New South Wales residents who must purchase Green Slip insurance separately.

Can I reduce the cost of Third Party Fire and Theft cover?

There are some steps you can take to reduce the price of your car insurance premiums, though these can differ between providers and plans. These include:

  • restricting the age of drivers. Restricting the age of drivers to people over the age of 25 can reduce the cost of your insurance;
  • increasing your excess. Choosing a higher excess will cost you more if you need to claim but will reduce your regular premium payments;
  • looking out for discounts. Some insurance companies offer discounts if you combine your car insurance with an existing insurance product like home and contents cover, while others provide discounts for purchasing insurance online.
Are learner drivers covered by this type of policy?

Learner drivers are covered by Third Party Fire and Theft, as long as a licensed driver accompanies them while they’re driving – even if they aren’t listed on your policy. That said, if the learner is responsible for an incident, you’ll typically incur a young driver excess (also known as inexperienced driver excess), on top of your standard excess payment. This excess generally applies regardless of whether a learner is listed under your policy or not.

How is Third Party Fire and Theft insurance calculated?

Similar to other car insurance, Third Party Fire and Theft cover is calculated based on the following:

  • your age. Younger drivers up to the age of 25 tend to pay more for their car insurance;
  • gender. Men often get charged more for their cover than women, based on driver statistics insurance providers may include in their calculations;
  • your address. If you live in a suburb with high rates of car theft, you might be at an increased risk of making a claim, which can see your premiums rise. This goes for flood plains and locations that are prone to bushfires;
  • your policy. The level of cover you choose will affect the price you pay, as well as what you’re covered for. You might also have the option of adding additional cover at extra cost; and
  • your car. The make and model, value, age, condition and even the colour of your car all play a part in how much it costs to insure it.
Can I choose who repairs my vehicle?

Car insurance companies generally have their own repairers that they use when fixing your vehicle. If you have a Third Party Fire and Theft policy and your car is damaged by one of those events, your insurer won’t typically give you a choice of repairer. Some do, which is why it’s important to compare policies.

For all other car maintenance and repairs, that comes out of your own pocket, and you can decide where you have your vehicle serviced.

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

Depending on when you take out your policy and what coverage is on offer, your aftermarket upgrades can be covered. If you’re taking out a new policy for a recently purchased ride, or switching providers, you can list aftermarket upgrades when providing details about your vehicle. Any extra parts and upgrades will be counted in the cost of your insurance.

If you already have insurance and do-up your car, you won’t be covered unless you contact your insurer – which may result in the cost of your insurance increasing. If you don’t notify your insurance provider and your vehicle is damaged, you’ll likely have to pay the price for fixing or replacing aftermarket parts yourself.

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