bill busting prizes logo

It’s time to rip up your bills

Buy any* health, car or home and contents insurance policy and you could win one of three bill-busting prizes worth $20,000!

Find out more
* Excluding overseas visitors cover and roadside assist. T&C’s apply. Offer ends 31 October 2020. Max 1 entry per household/policy & hold policy for min. 30 days. NSW Authority No. TP/00214, ACT Permit No. TP 20/01093.1, SA Permit No. T20/968
1st for Women logo
Huddle logo
Retirease logo
Budget Direct logo
Virgin Money logo
PD Insurance logo
Eric logo
Ozicare Insurance logo
Carpeesh logo
Woolworths logo
Australia Post logo
We do not compare all brands in the market or all products offered by all brands. At times certain brands or products may not be available or offered to you. Learn more about how our comparison service works.

What is Third Party Property Damage insurance?

Third Party Property Damage insurance is a type of car insurance that provides cover if you’re responsible for an accident and damage someone else’s property.

What does Third Party Property Damage cover?

Third party property insurance covers damage to other vehicles and property, but not your own as well as your legal liability for property damage

Want to protect your set of wheels? We’ve got your back. Simples.

One place to compare

We compare a great range of car insurance brands from across Australia, so there's no need to 'drive around town' looking for deals! Learn more.

Explore your options

We've designed our comparison tool to put you in the driver's seat. Easily compare features and policies on your terms.

Find expert advice

Have any questions about car insurance? We'll answer them here, or direct you to a trusted partner who is happy to help.

At no cost to you

You don't pay to use our comparison service. Instead, we receive a commission from insurers when you buy a policy. No-fuss, no mark-ups. Learn more.

Frequently asked questions

Is Third Party Property Damage the same thing as compulsory third party?

No, Third Party Property Damage insurance isn’t the same as Compulsory third party (CTP), but it’s easy to get them confused.

CTP only covers anyone who is injured as a result of an accident that’s deemed your fault. CTP (also known as Green Slip in New South Wales) is a mandatory requirement for all registered cars. Third Party Property Damage insurance, on the other hand, provides legal liability for any damage you cause to someone’s belongings or property if you’re at fault for an accident.

All cars on Australia’s roads have to be registered with the State Government where you reside, and CTP or Green Slip insurance is a part of registering your vehicle. Any other car insurance coverage you take out beyond CTP is purely optional.

Some states allow you to choose your CTP insurer, while others don’t. In contrast, you can compare and choose your Third Party Property Damage insurance provider no matter where you are in Australia.

You can use our free car insurance comparison service to compare Third Party Property Damage policies, as well as higher levels of car insurance, in minutes from a range of providers.

What’s excluded from Third Party car insurance?

There are some things Third Party Property Damage insurance doesn’t include cover such as:

  • roadside assistance
  • fire damage to your car
  • theft and malicious damage to your car
  • storm and hail damage
  • accidental damage to your vehicle
  • hire car while yours is being repaired.

Higher levels of insurance can provide cover for the instances above.

Compare car insurance through our free comparison service today.

How is the cost of Third Party car insurance calculated?

The price of your car insurance policy is determined by several elements. These may include:

  • the make and model of your car
  • the car’s age
  • your age and gender
  • your driving history
  • your address
  • any aftermarket upgrades

When comparing car insurance through our free comparison service, you’ll be asked to provide these details to help determine the price of the quotes from our partners. The whole process only takes a few minutes.

Can I reduce the cost of my Third Party Property Damage cover?

You might be able to reduce the price of your premiums depending on what choices your insurer provides. These choices could include:

  • not letting anyone under 25 drive your car
  • choosing a higher excess for a lower premium

Always check the Product Disclosure Statement (PDS) to find out what options are available for specific providers and policies.

Compare car insurance through our free comparison service today.

How often do I pay insurance premiums?

Depending on the insurance provider, you might have the option to choose how frequently you pay your insurance premiums. Generally, car insurance is paid for in 12-month periods, but you may be able to pay monthly instead, though this can cost more in the long run.

Compare car insurance through our free comparison service today.

People who scroll this far are usually interested in these topics

You’ve made it to the end!

Don’t stall now. See if you can track down better car insurance cover

Compare car insurance