Up to $20 million of cover if your car damages someone else's vehicle or property.
Damage to other people's property
Damage by uninsured drivers
When your car is damaged by a collision with another vehicle driven by an uninsured driver, we cover damage to your car (up to the amount of $5,000), but only if, the other driver was entirely at fault and you can give us the name and address of the person at fault and the registration number of the at fault vehicle.
What’s covered
By Third Party Car Insurance
Damage by fire
If your car is damaged by fire or a total loss, we cover repairs or pay you the amount covered you have chosen (up to $10,000) less any deductions.
Car theft
If your car is stolen or damaged by someone attempting to steal it, we cover repairs or pay you the amount you covered your car for (up to $10,000) less any deductions.
(If car is damaged we may repair/pay less than $10,000.)
Hire car after theft for up to 21 days
We keep you on the road if your car was stolen with a hire car that meets your needs until your car's returned undamaged or repaired or your claim is settled, to a maximum of 21 days.
Up to $500 for personal items
Left something in the car? We pay up to $500 for things that were in your car when the car was stolen, such as phones, laptops or clothing. (Exceptions apply such as cash and tools.)
When you add optional Fire & Theft cover
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What is optional Fire & Theft cover for Third Party Car Insurance?
Third Party Car Insurance covers property damage you might be liable for – so it can help cover costs if you rear-end another car or bump into a fence. But it doesn’t apply to costs incurred if your car is stolen, or damaged by fire or attempted theft.
That’s where optional Fire & Theft cover, which you can add to a Third Party policy for an additional premium, can come in handy.
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Damage to other people's property
Up to $20 million of cover if your car damages someone else's vehicle or property.
Car theft
If your car is stolen or damaged by someone attempting to steal it, we cover repairs or pay you the amount you covered your car for (up to $10,000) less any deductions.
(If car is damaged we may repair/pay less than $10,000.)
Damage by uninsured drivers
When your car is damaged by a collision with another vehicle driven by an uninsured driver, we cover damage to your car (up to the amount of $5,000), but only if, the other driver was entirely at fault and you can give us the name and address of the person at fault and the registration number of the at fault vehicle.
Damage by fire
If your car is damaged by fire or a total loss, we cover repairs or pay you the amount covered you have chosen (up to $10,000) less any deductions.
Hire car after theft for up to 21 days
We keep you on the road if your car was stolen with a hire car that meets your needs until your car's returned undamaged or repaired or your claim is settled, to a maximum of 21 days.
Up to $500 for personal items
Left something in the car? We pay up to $500 for things that were in your car when the car was stolen, such as phones, laptops or clothing. (Exceptions apply such as cash and tools.)
Amount Covered
How much your car’s insured for.
It’s the maximum amount we’ll pay for loss or damage to your car caused by an insured incident. The amount is shown on your certificate of insurance and includes GST.
Total Loss
We consider your car a total loss when:
- It's stolen and unrecovered after 14 days; or
- It's uneconomical, impractical or unsafe to repair.
This is a just summary. For full details check the Product Disclosure Statement (PDS). It's dry, we know, but it's essential reading.