Third Party Property Damage from NRMA Insurance

Third Party Property Damage NRMA Car Insurance

Members could save
with NRMA Insurance*

Basic, affordable car insurance for when things go wrong.

What's included

✓ 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.

✓ Ridesharing

Cover if you occasionally drive your personal car for a ridesharing service like Uber2.

Get a quote

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 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.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents:
Product Disclosure Statement (PDF 489KB), Premium, Excess & Discounts Guide (PDF 103KB)

Not a Member?

Become a Member today and you could save with NRMA Insurance*

Have a question?

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.

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.

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

  1. Your car’s covered if NRMA Insurance agree it was the other driver's fault and you have their name, address and rego number.
  2. 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.
  3. 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

** 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.