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Third party property damage car insurance comparison

9 of 46 results

Finder Score	Accidental damage	Roadside Assistance	Legal Liability
Finder Score 9.9 Excellent Budget Direct Third Party Property Only	Finder Score 9.9 Excellent		Optional add-on	$20,000,000	Receive 15% off your first year's premium when you purchase cover online. T&Cs apply.	Who it might be good for: Drivers who only want cover for damage to another person’s vehicle and up to 15% off your first year.	Get Quote View details Compare product selectionCompare	loading
Finder Score 9.6 Excellent Qantas Third Party Property Only	Finder Score 9.6 Excellent		Optional add-on	$20,000,000	Earn Qantas Points when you sign up. T&Cs apply.	Get Quote View details Compare product selectionCompare	loading
Finder Score 9.2 Excellent Kogan Third Party Property Damage	Finder Score 9.2 Excellent			$20,000,000	Get $10 Kogan.com credit each month (valid on purchases over $100) when you buy a new Third Party Property Damage policy online. T&Cs apply.	Who it might be good for: Drivers who want a no-frills policy with some legal liability cover and up to $5,000 for damage caused by an uninsured driver. Keep an eye out for a gift voucher if you buy online.	Get Quote View details Compare product selectionCompare	loading
Finder Score 7.6 Great Australian Seniors Third Party Property Damage	Finder Score 7.6 Great		Optional add-on	$20,000,000	Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.	Get Quote View details Compare product selectionCompare	loading
Finder Score 7.2 Great Youi Third Party Property Damage	Finder Score 7.2 Great			$20,000,000	Covered up to $5,000 after excess for accidental damage to your car caused by an uninsured third party. Who it might be good for: Drivers who want a reliable insurer. It was the 2022 Insurer of the Year for Customer Satisfaction.	Get Quote View details Compare product selectionCompare	loading
Finder Score 7.2 Great Real Third Party Property Damage	Finder Score 7.2 Great		Optional add-on	$20,000,000	Get Quote View details Compare product selectionCompare	loading
Finder Score 6.9 Standard Huddle Third Party Property Damage	Finder Score 6.9 Standard	Optional	Optional add-on	$20,000,000	Up to $20 million legal liability cover plus up to $3,000 for damage caused by uninsured drivers.	Get Quote View details Compare product selectionCompare	loading
Finder Score 6.6 Standard Bingle Third Party Property Damage	Finder Score 6.6 Standard			$20,000,000	Who it might be good for: Drivers who want a cheap policy and cover for damage to other people’s vehicles (but not your own car). It can also cover rideshare drivers.	Get Quote View details Compare product selectionCompare	loading
Finder Score 6.3 Standard QBE Third Party Property Damage	Finder Score 6.3 Standard	Optional		$30,000,000	Who it might be good for: Drivers who want a relatively cheap policy and a more environmentally-friendly brand.	Get Quote View details Compare product selectionCompare	loading

Showing 9 of 9 results

Finder Score for car insurance

We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.

Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

Read the full methodology

Great for price: Virgin third party property damage car insurance

Our verdict

Virgin is consistently one of the cheapest third party policies available. Our team got 250 quotes for third-party car insurance from 20 popular providers. Virgin was the joint cheapest on average across all major states.

- It cost an average of $37 per month in our research.
- It was $13 a month cheaper than the average price.
- It covers up to $5,000 worth of damage caused by an uninsured driver.
- Budget Direct is only $1 more for almost the exact same policy and has more positive customer reviews.
- Like other third-party policies, it does not cover damage to your own car.
- This is third party only cover; not third party, fire and theft.

Selected by Gary Ross Hunter – car insurance specialist

Great for value: Budget Direct third party property damage car insurance

Our verdict

Budget Direct was the second cheapest third party policy, according to our research. To be exact, it was $1 more a year than Virgin! They're virtually the exact same policy but Budget Direct has more positive online reviews, so is still worth calling out.

- It's one of the cheapest third party property damage policies.
- You can lower costs further by restricting drivers.
- Comparatively good reviews online.
- There's a 15% sign-up discount but it only applies for the first year.
- Like other third party policies, it doesn't cover damage to your own car.
- It may cost you more if there's a younger driver on the policy.

Selected by Gary Ross Hunter – car insurance specialist

Keep in mind that these costs are based on a limited profile that we've outlined below. As with all car insurance, the cost of a third party policy will vary based on your age, location, gender, and other variables such as where you park your car.

5 of 5 results

Sample quote
Bingle Third Party Property Damage	Sample quote $421.58	Get Quote View details Compare product selectionCompare	loading
Budget Direct Third Party Property Only	Sample quote $402.64	Get Quote View details Compare product selectionCompare	loading
ING Third Party Property Damage	Sample quote $394.40	View details Compare product selectionCompare	loading
Hume Bank Third Party Property Damage	Sample quote $408.05	View details Compare product selectionCompare	loading
Kogan Third Party Property Damage	Sample quote $408.05	Get Quote View details Compare product selectionCompare	loading

Showing 5 of 5 results

How we got these costs
To get these costs, we sourced quotes from 30 different car insurers across 60 different driver profiles that included different ages, states and genders. Using this data, we have calculated the average cost per provider per age group and showcased the top 5 cheapest in each category. To know more about the driver profile used to source these quotes, see Finder's car insurance methodology.

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Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 580 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

More resources on Finder

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Compare third party car insurance

Our researchers gathered third party property damage quotes from 30 different car insurers across 60 different profiles to help you compare your options.