Third Party Fire & Theft from NRMA Insurance

Third Party Fire Theft NRMA Car Insurance

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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.


✓ 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.

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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


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Have a question?

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).

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).

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.

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

  1. You’re covered for the market value of your car, up to $10,000.
  2. Your car’s covered if NRMA Insurance agree it was the other driver's fault and you have their name, address and rego number.
  3. 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.
  4. 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.
  5. 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.

This page is for information only. For the most up-to-date details on what’s covered, check the NRMA Insurance website and Product Disclosure Statement.

* Insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 (IAL), trading as NRMA Insurance which is separate and independent from National Roads and Motorists’ Association. National Roads and Motorists’ Association Limited ABN 77 000 010 506 (NRMA), is an authorised representative of IAL. Please refer to the Financial Services Guide (FSG) for further information. To see if a product is right for you, always consider the Product Disclosure Statement. A Membership with NRMA counts towards your NRMA Insurance Loyalty Discount Policy Count, but does not receive the Loyalty Discount, and for a limited time, Membership will also count for your Years of Relationship. Excludes NRMA business Memberships. Policies eligible for the NRMA Insurance Loyalty Discount include Motor, Home, Landlord, Boat, Caravan and Trailer. For more information about the NRMA Insurance Loyalty Discount, see the Premium, Excess & Discounts Guide. National Roads and Motorists’ Association Limited ABN 77 000 010 506 handles your personal information according to its privacy policy, available at www.mynrma.com.au/privacy-policy.

** 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.