Third Party Property Damage from NRMA Insurance
Basic, affordable car insurance for when things go wrong.
✓ 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 uninsured drivers
Cover for damage to your car if an uninsured driver causes an accident1 (up to $5,000).
Cover for towing your car to a repairer or safe place if it’s damaged by an uninsured driver1.
Cover if you occasionally drive your personal car for a ridesharing service like Uber2.
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's Third Party Property Damage Insurance for?
The main thing you get with Third Party Property Damage Insurance is ‘liability cover’.
It’s a basic level of cover (all NRMA Insurance car insurance policies come with liability cover up to $20 million).
It covers you for damage you cause to other people’s cars or property in an accident.
Can I pay for my car insurance monthly?
Yes, you can pay by the month for your car insurance.
You’ll still pay for 12 months of insurance, but NRMA Insurance will spread the payments out over the year.
You’ll save money if you pay for the whole year at once but, if monthly is better for you, choose it when you get a quote.
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 listed3.
Things you should know
- Your car’s covered if NRMA Insurance agree it was the other driver's fault and you have their name, address and rego number.
- 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.