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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

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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.

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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.

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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.

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Stephen Zeller, General Manager

Meet our car insurance expert, Stephen Zeller

Our General Manager of General Insurance, Stephen Zeller, knows that there can be a bit of confusion between Third Party Property Damage (TPPD) and other car insurance policies like Third Party Fire and Theft (TPFT) – so he works to help ensure drivers have got the facts.

Stephen has more than 30 years of experience in the financial services industry, and is an Allied Member of the Australian and New Zealand Institute of Insurance and Finance (ANZIIF) and helps review general insurance content on Compare the Market to ensure it accurately breaks down complex insurance topics.

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