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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.

Budget Direct Third Party Property, Fire & Theft

Budget Direct Third Party Property, Fire & Theft logo image
  • Get a 15%* online discount
  • 24/7 Claims
  • Lifetime guarantee on repairs
  • Save by restricting younger drivers
Get Quote
*First year's premium for a new policy. T&Cs apply.

What is third party, fire and theft car insurance?

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.

Compare third party, fire and theft car insurance policies

1 - 7 of 8
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or market value
Budget Direct Third Party Property, Fire and Theft
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Youi Third Party Fire and Theft
Agreed or Market
Up to $20 million legal liability cover and 24/7 claims team.
Qantas Third Party Property, Fire and Theft
Earn Qantas Points when you sign up. T&Cs apply.
RAA Third Party, Fire & Theft
Get cover for the Third Party, Fire & Theft Car Insurance
SGIO Third Party Fire And Theft
SGIO Third Party Fire And Theft
Buy online and save $20.
St.George Third Party, Fire and Theft
St. George's Third Party, Fire and Theft policy covers towing. Option to pay monthly available. Please note this policy is available for renewing customers only.
Over Fifty Third Party Fire & Theft

How does this type of car insurance compare to others?

There are 4 main types of car insurance available. Here's a summary of what they cover:

CoverCTP insuranceThird party property damage insuranceThird party, fire and theft insuranceComprehensive car insurance
Damage to my vehicle in an accident
  • No
  • No
  • No
  • Yes
Damage to another person's vehicle or property
  • No
  • Yes
  • Yes
  • Yes
Loss or damage to my car due to fire
  • No
  • No
  • Yes
  • Yes
Loss or damage to my car due to theft
  • No
  • No
  • Yes
  • Yes
Loss or damage to my car due to storm, hail and flood
  • No
  • No
  • No
  • Yes

How does pricing for other insurance compare?

ProviderThird party, fire & theft costComprehensive insurance cost
Budget direct logoN/A$1,137.71
AAMI insurance$358.75$1,219.06
QBE Logo$1,187.95$2,373.60
Australia Post$950.85$1,408.54

What are the benefits of third party, fire and theft car insurance?

  • It covers some common risks. Get protection for car accidents, theft and fire damage – among the biggest risks all drivers face.
  • It can be cheaper than comprehensive car insurance. This mid-level policy option combines a decent range of cover with competitive premiums. But, it doesn't offer the same level of insurance as comprehensive cover. For example, it won't cover the contents in your car or replacement keys.
  • It offers additional benefits. Most third party, fire and theft policies also include a range of additional benefits, such as towing and storage costs, a hire car after theft, and cover for damage caused by uninsured motorists.
  • It provides peace of mind. Like any form of car insurance, third party, fire and theft insurance is all about peace of mind. It gives you the confidence and reassurance you need before getting behind the wheel.

What isn't covered by third party, fire and theft insurance?

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.

  • Natural disasters. You won't be covered for natural disasters including storms, floods, hailstorms, earthquakes or landslides. The one exception is bushfire since it does cover fire of all types.
  • Accidents you cause. You won't be covered for any damage to your own car if you cause the crash.
  • Vandalism. You won't be covered for vandalism. However, you will be covered if someone damages your car while attempting to steal it.
  • Hitting an animal. You won't be covered for hitting an animal, even if there was nothing you could do to avoid it.

How can I find the cheapest third party, fire and theft policy?

  • Compare policies. It's quick and easy to compare car insurance quotes online, so get quotes from multiple insurers and see which policy comes out on top.
  • Choose a higher excess. The higher your excess, the cheaper your premium will be.
  • Take advantage of discounts. Many insurers offer discounts to new customers. Some sign up discounts are as generous as 15% off.
  • Restrict cover. Restricting younger drivers can help you reduce your premiums as you're seen as less risky. Remember, this is only a good option if you're certain no younger drivers will drive your car.
  • Secure your vehicle. Vehicles that are kept in a locked garage are often cheaper to insure as they're seen as less risky.

Who is third party, fire and theft car insurance good for?

A third party, fire and theft policy is good if:

  • You want protection against damage you cause to other people's cars or property; theft or fire damage to your own vehicle; and cover for legal expenses after an accident.
  • You're keeping a close eye on your budget. Put simply, it's usually cheaper than comprehensive insurance.
  • Theft is a worry where you live or work. It's worth considering if you're based in an area that carries a high risk of vehicle thefts.
  • You drive an inexpensive car. If your vehicle has a low market value, you may decide that mid-range coverage is enough for you.

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.

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2 Responses

    Default Gravatar
    rossMarch 6, 2017

    need cover have driver (L)with drug conviction less than 3yrs

      ZubairMarch 8, 2017Finder

      Hi Ross,

      Thank you for your question. 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.


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