Third Party Fire & Theft from NRMA Insurance
Car insurance that covers your car if it’s stolen or catches fire, and covers other people’s cars and property if you cause an accident.
Cover for your car if it’s stolen or damaged by someone trying to steal it (up to $10,000)1.
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.
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.
Already have a quote? Retrieve your quote online at NRMA Insurance
✗ Damage you cause to your car
If you cause an accident, damage to your car isn’t covered (but is it with Comprehensive Insurance).
✗ Storm, hail or flood
Damage caused by some severe weather isn’t covered (but it is with Comprehensive Insurance).
✗ Injuries to you or others
Injuries can be covered by your mandatory CTP Green Slip.
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
- You’re covered for the market value of your car, up to $10,000.
- Your car’s covered if NRMA Insurance agree it was the other driver's fault and you have their name, address and rego number.
- NRMA Insurance cover you up to $75 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 for the hire car like petrol, tolls or a GPS.
- You’re covered if you’ve told NRMA Insurance you’re using your own personal car for ridesharing and pay any extra premium. Only owners listed on the policy are covered when using the car for ridesharing.
- Cover is subject to standard underwriting guidelines and policy terms. For vehicles insured in NSW, QLD, ACT or TAS, an additional excess applies to drivers under 25 or with less than 2 years’ driving experience. For vehicles insured in SA, WA or the NT, there are additional excesses for undisclosed drivers, including for drivers under 25 or with less than 2 years’ driving experience.
** A CTP Green Slip counts towards your policy count, but you don’t receive an NRMA Insurance Loyalty Discount on the cost of your CTP Green Slip.
^ 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 have limited increases or decreases in your premium.