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 property damage (TPPD) car insurance covers damage you cause to someone else's vehicle or property. If you crash into someone's new car, you won't be paying the repair costs - your insurance will. This kind of policy won't cover your car but could stop you from facing big bills from other people.
Use the map below to compare car insurance based on your location.
Third party property is a type of car insurance policy that covers you for damage to other people's property, for example someone else's car, home or shop. It covers only this and nothing else, up to a certain limit (commonly $20 million).
This type of policy adds an additional layer of protection over the bare minimum Compulsory Third Party Insurance, and prevents you from having to be out of pocket for potentially enormous bills.
There's no universally cheapest third party car insurer as your cost will depend on your circumstances. During our analysis of 9 Australian car insurance brands, we found that the average cost of third party property damage car insurance was $317 a year, or $26 a month.
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.
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To determine this estimated cost, we sourced quotes using this profile:
Be sure to check the product disclosure statement (PDS) to help you make the right choice.
When calculating your third party property damage insurance premiums, insurers consider questions like:
Once you've decided that a third party property policy is best for you, there are a few things worth taking into consideration when looking for and comparing policies:
Trying to compare third party car insurance policies can be difficult. Here are a few steps you should take when finding a policy that's right for you:
There are some general exclusions that apply to most third party property damage policies. For example, you won't be covered if:
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