Third party, fire and theft car insurance

Third party, fire and theft insurance covers you if your vehicle's stolen or damaged by fire. Or, if you're at fault for an accident that damages a person's vehicle or property.

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Australian Seniors logo
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Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply.
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Budget Direct logo
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Receive 15% off your first year's premium when you purchase cover online. T&Cs apply.
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Bendigo Bank logo
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Get up to $30m in liability cover, $5,000 in protection against uninsured drivers, towing costs and more with Bendigo Bank’s midweight policy.
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Qantas Car Insurance logo
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Earn Qantas Points when you sign up. T&Cs apply.
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Real logo
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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 value: Budget Direct third party fire and theft

Budget Direct car insurance

Our verdict

Budget Direct was the cheapest third party fire and theft policy on average across all major states, according to our research. In addition to cover for damage to other people's property, fire and theft, it also covers your car for damage caused by an uninsured driver, up to $5,000.

Gary Ross Hunter
Selected by Gary Ross Hunter – car insurance specialist
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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

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