Budget Direct Third Party Property, Fire & Theft
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- Lifetime guarantee on repairs
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Third party, fire and theft car insurance covers you for damage to another person's vehicle or property as well as damage to your car by fire or theft. It does not cover damage to your vehicle in the event of an accident; for that, you'll need comprehensive car insurance.
There are 4 main types of car insurance available. Here's a summary of what they cover:
Cover | CTP insurance | Third party property damage insurance | Third party, fire and theft insurance | Comprehensive car insurance |
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Damage to my vehicle in an accident |
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Damage to another person's vehicle or property |
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Loss or damage to my car due to fire |
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Loss or damage to my car due to theft |
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Loss or damage to my car due to storm, hail and flood |
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Provider | Third party, fire & theft cost | Comprehensive insurance cost |
---|---|---|
![]() | N/A | $1,137.71 |
![]() | $358.75 | $1,219.06 |
![]() | $1,187.95 | $2,373.60 |
![]() | $950.85 | $1,408.54 |
There are a few situations where third party, fire and theft insurance won't cover you. The main ones relate to damages to your car.
A third party, fire and theft policy is good if:
Third party fire and theft covers a number of road-related risks – and goes quite a bit further than an entry-level policy. It's particularly good if you rely on having a vehicle and you'd otherwise be stuck, say, if your car were stolen. But, keep in mind your cover won't extend to damages to your own car after an at-fault incident. For that, you'll need to upgrade to comprehensive insurance.
James Marin
Editor of insurance at Finder
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need cover have driver (L)with drug conviction less than 3yrs
Hi Ross,
Thank you for your question.
finder.com.au is a comparison and information service and not an insurer. Most insurers in Australia will ensure you with a drug conviction but depending on the offense, you may pay a little more for cover.
You may find our car insurance for learner drivers and car insurance for drivers convicted of drunk driving guides helpful.
Please make sure though to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Cheers,
Zubair