Third Party Fire & Theft from NRMA Insurance
If you have roadside assistance,
you could save on car insurance*
If you have roadside assistance,
you could save on car insurance*
Third Party Fire & Theft Car Insurance covers your car if it’s stolen or catches fire and covers other people’s cars and property if you cause an accident.
What's included
✓ Theft
Cover for your car if it’s stolen or damaged by someone trying to steal it (up to $10,000)1.
✓ Fire
Cover for damage to your car caused by fire (up to $10,000)1.
✓ Damage to others’ property
Cover for damage you cause to other people’s cars or property in an accident (up to $20 million).
✓ Accidents caused by other drivers
Cover for damage to your car if another driver causes an accident (up to $5,000)2.
✓ Hire car after a theft
NRMA Insurance can arrange a hire car if your car’s stolen or if it can’t be driven because someone tried to break into it3.
✓ Towing
Cover for towing your car to a repairer or safe place if it can’t be driven after a fire, attempted theft, or an accident that’s not your fault.
More inclusions
✓ Emergency repairs
Cover for repairs NRMA Insurance agrees you need to make to your car after a covered incident so that it’s secure and safe to drive (up to $800).
✓ Ridesharing
Cover if you occasionally drive your car for a ridesharing service like Uber4.
Already have a quote? Retrieve your quote online at NRMA Insurance
Not included
✗ Damage you cause to your car
If you cause an accident, damage to your car isn’t covered (but is it with Comprehensive Car Insurance).
✗ Storm, hail or flood
Damage caused by some severe weather isn’t covered (but it is with Comprehensive Car Insurance).
✗ Injuries to you or others
Injuries can be covered by your mandatory Compulsory Third Party (CTP) Insurance.
Policy booklets
For full details including limits, conditions and exclusions, read these policy documents:
Product Disclosure Statement, Premium, Excess & Discounts Guide
Have a question?
What does market value mean?
Market value means NRMA Insurance work out how much your car’s worth at the time you make a claim, and then cover your car for that amount.
To work out the market value, NRMA Insurance use things like local market prices, your car’s age, its condition, and any modifications or extras.
This is different to agreed value, which is where you choose the amount to insure your car for (from a range NRMA Insurance give you).
With Third Party Fire & Theft Insurance, NRMA Insurance cover your car for its market value, up to a maximum of $10,000 (minus any deductions).
Are my car’s modifications and extras included?
Yes, your car’s mods (like alloy wheels, spoilers and tow bars) are automatically covered.
If you have Third Party Fire & Theft Insurance and you make a claim, NRMA Insurance include your extras and modifications in the market value of your car (up to a maximum of $10,000).
If a learner driver uses my car, do I need to list them on my policy?
You don’t need to list them on your policy unless they’re the registered owner of the car. NRMA Insurance cover anyone who drives your car, even if they’re not listed5.
Who repairs my car if I make a claim?
If your car’s damaged by fire or by someone trying to break into it, NRMA Insurance will arrange for one of their Partner Repairers to fix it.
NRMA Insurance have nearly 400 Partner Repairers across Australia, and they back the workmanship of the repairs with a lifetime guarantee.
Things you should know
Car insurance: Third Party Fire & Theft from NRMA Insurance
- You’re covered for the market value of your car, up to $10,000.
- NRMA Insurance must agree the incident was the other driver’s fault, they must be uninsured, and you have their name, address and rego number.
- NRMA Insurance covers you up to $65 per day for a hire car until your car’s recovered and repaired, your claim’s paid as a total loss, or for 21 days (whichever’s first). NRMA Insurance don’t cover running costs
- You’re covered for limited hours if you’ve told us you’re using your own personal car for ridesharing and pay any extra premium. Your average hours a week should be equal to or less than what is shown on your Certificate of Insurance (COI) for this use.
- Cover is subject to standard underwriting guidelines and policy terms. An additional excess applies to drivers under 25.
- Any discounts will be applied to Your Policy, only to the extent any minimum premium is not reached. When we determine Your Premium on renewal, we may also limit any increases or decreases in Your Premium by considering factors such as Your previous year’s Premium amount.
This page is for information only. For the most up-to-date details on what’s covered, refer to the Policy Documents available on the NRMA Insurance website and view the product page.
†Terms and conditions apply. Your roadside assistance or My NRMA membership could count towards an NRMA Insurance Relationship Discount if you held a longer Years of Relationship under the previous Loyalty Discount as at 20 April 2024. You should refer to the Premium, Excess & Discounts Guide to determine the level of discount available to you. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When IAL determines your premium on renewal, IAL may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more with more eligible policies and by staying with IAL longer if a minimum premium is reached, or IAL has limited increases or decreases in your premium.