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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.

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Third party car insurance cover options

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


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
$31.28Get quote
$55.29More info
Budget Direct
Budget Direct
$48.60Get quote
Virgin Money
Virgin Money
$49.51More info
$55.83More info
$82.66More info
$45.04More info
$18.18More info
$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:


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


  • 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

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