Budget Direct Car Insurance
- 15% discount on first year's premium
- New car replacement
- $20 million legal liability cover
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Third party fire and theft car insurance is designed to cover you when your vehicle is stolen or damaged by fire, or if you’re responsible for an accident that damages someone else’s vehicle or property. This mid-level car insurance option provides cover against the most common risks you face when on or off the road, and is designed to be more affordable than comprehensive car insurance.
Third party fire and theft policies cover fire, theft and your liability for loss or damage to other people’s property. A typical policy includes the following benefits:
The mandatory compulsory third party insurance (CTP) only pays for injuries that you cause to others with your car. It's also called your green slip.
TPFT picks up where CTP leaves off by also protecting you if you damage someone's property like their car, bicycle or fence. It also provides some protection for your own car.
You can view them as two important pieces to the same puzzle, where both work together to offer you well-rounded cover without any unnecessary overlap.
With several different types of car insurance available, it can be tricky to work out which type of policy is the best fit for you. To help make your choice easier, check out the comparison table below:
|Cover||CTP insurance||Third party property damage insurance||Third party fire and theft insurance||Comprehensive car insurance|
|Damage to my vehicle in an accident|
|Damage to another person’s vehicle or property|
|Loss or damage to my car due to fire|
|Loss or damage to my car due to theft|
|Loss or damage to my car due to storm, hail and flood|
There are several reasons why you may want to consider this type of cover for your vehicle:
There are a few situations where TPFT won't cover you and they are most in relation to damages to your car. Here's where you won't be covered:
That depends on a whole lot of things. When you apply for a third party fire and theft policy you’ll need to answer a whole range of questions about your car and where you live. Your answers to these questions reveal a range of risk factors that can affect the cost of car insurance, such as:
Third party fire and theft is worth it if you don't need the full suite of cover for your own car, but have a higher risk of experiencing fire damage or theft.
As the middle ground between third party property cover and comprehensive cover, the cost is usually closer to that of third party property cover, meaning you won't have to fork out nearly as much as you would for full protection.
Meanwhile, you'll find it more useful than the more basic third party property cover, especially if you:
Many TPFT policies also cover you for a hire car if your car is stolen and may even offer emergency transportation and accommodation if it's stolen while you're far from home. This gives you an added safety net that goes beyond just protection for your car.
Keep the following tips in mind to help you save money on your car insurance premiums:
Most third party fire and theft policies cover the same broad set of events. Some of the differences lie in the additional features each offer you. To find the best policy for your needs, you'll want to identify the features that are important to you, track down a few policies that offer them and then go from there.
Here's what to keep in mind:
Once you land on a few policies that offer the features you want, get quotes from each of them to see who offers the best possible price.
Use the map below to compare car insurance based on your location.
Both policies provide cover for your legal liability when you're responsible for a car accident that causes damage to someone else's car or property. However, third party fire and theft insurance also provides cover for loss or damage to your vehicle caused by fire or theft.
Yes, all of these benefits are included in a comprehensive car insurance policy along with a wide range of other cover features.
No. The insurance is for your vehicle only and will not cover you when you drive other cars.
No. This type of cover only covers damage to someone else's vehicle or property in an accident for which you're responsible. However, many policies will include a limited level of cover when your vehicle is damaged in a no-fault accident with an uninsured motorist.
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Millions of Australians are leaving themselves vulnerable to theft this Christmas by not locking their doors, according to new research by Finder, Australia’s most visited comparison site.
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