Third Party Property Damage 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 Property Damage Insurance is basic 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).
✓Towing
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.
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'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.
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 we agree it was the other driver's fault, you give us their name, address and rego number and the other driver was uninsured.
- 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.