⚡️⚡️⚡️
With energy prices rising, switch to a cheaper plan
💡
Compare Prices Now
⚡️⚡️⚡️

Third Party Car Insurance

Get covered for damaging someone else's car or property. Compare 8+ third party car insurance policies, and add on fire and theft for extra protection.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Third party car insurance cover options

There are 2 types of third party car insurance to choose from:

Crash

Third party property

This covers you if you cause an accident and damage someone's property, including another person's car, home or shop.

Car on fire

Third party fire and theft

In addition to property damage cover, this protects you financially if your car is stolen, someone tries to steal it or it's damaged in a fire.

How much does third party car insurance cost?

Third party property insurance costs on average $31 per month, according to Finder's research of 10 different car insurers. Remember though, costs vary depending on the type of car you own, where you live, where you park your car, your driving history and your gender.

Monthly cost of third party car insurance

BrandThird Party OnlyApply
Bingle
Bingle
$31.28Get quote
AAMI
AAMI
$55.29More info
Budget Direct
Budget Direct
$48.60Get quote
Virgin Money
Virgin Money
$49.51More info
GIO
GIO
$55.83More info
Suncorp
Suncorp
$82.66More info
NRMA
NRMA
$45.04More info
CGU
CGU
$18.18More info
QBE
QBE
$28.96Get quote

Quotes obtained September 2021

To determine this estimated cost, we sourced quotes using this profile:

  • Female driver born 1/1/1980
  • Silver 2018 Toyota Hilux SR5 2.8L Auto
  • Comprehensive car insurance
  • Safe driver with no claims made in the past 3 years
  • Drives 10,000-15,000 km per year
  • Adjusted excess to $850 where possible
  • Driver located in Sydney
  • Policy starting 09/09/2021

Your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of car you drive, the colour of the car, how long you have been driving, the amount of cover you need, plus more. Be sure to read the PDS to find cover that suits you.

Pros and cons of third party car insurance

Here's an overview of some of the advantages and disadvantages of third party car insurance:

Pros:

  • It's cheaper than comprehensive car insurance
  • It covers the most common risks
  • It often comes with additional benefits, such as towing costs

Cons:

  • It doesn't protect your own car
  • It doesn't cover you for natural disasters such as hailstorms and floods
  • It doesn't cover you if you hit an animal

What am I not covered for with third party car insurance?

Every car insurance policy comes with general exclusions. Some of the main things you won't be covered for with third party car insurance include:

  • Car modifications (e.g. supercharged engines)
  • An overloaded car
  • "Hire and reward" (e.g. using your car as a taxi)
  • Any alcohol or drug-related incident
  • Personal items stolen from your car
  • Mechanical, structural or electrical breakdowns
  • Tyre damage
  • Any deliberate or reckless act by you

FAQs about third party car insurance

More guides on Finder

  • How to check car insurance

    How to stay up to date with your car insurance and avoid any hassle.

  • Do I need car insurance in Australia?

    Yes, you need car insurance to protect you from expensive bills following an accident.

  • Trailer Insurance

    Your comprehensive guide to getting trailer insurance for caravans, mobile homes and box trailers.

  • Road trip statistics Australia

    Finder research found 42% of Australians, equivalent to 8.2 million people, are planning a domestic road trip over the next 6 months.

  • Toyota LandCruiser car insurance

    A Toyota LandCruiser car insurance policy is around $138.43 a month. Compare 5+ policies side-by-side to see if you can get better value for your money.

  • Toyota HiAce insurance

    The average Toyota HiAce comprehensive insurance policy is $107.21 a month. Compare 5+ policies, discounts and find out if you could pay less.

  • Toyota Granvia insurance

    The average Toyota Granvia comprehensive insurance policy is $127.36 a month. Compare 5+ policies, discounts and get covered for a hire car, personal effects and more.

  • Toyota C-HR car insurance

    Toyota C-HR car insurance costs around $X a month. Compare 5+ policies to see if you could be paying less.

  • ROLLiN’ car insurance review

    ROLLiN' is an IAG-backed car insurer offering a flexible comprehensive plan that's refreshingly free from faff.

  • Toyota RAV4 car insurance

    The average insurance policy for a Toyota RAV4 is $105 a month. Compare 5+ policies and you could save.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site