Our most economical cover
Third Party Property Damage Car Insurance
Cover for damage your car causes to other people’s cars or property.
Save $20
WITH A FIRST-YEAR ONLINE DISCOUNT More information on First-Year online discount
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Liability for loss or damage to another person’s car or property
We’ll help cover your legal liability to pay compensation for loss or damage to other people’s car or property caused by your car (up to $20 million).
What's covered
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Legal liability cover for a substitute car
If your car is undrivable (eg due to servicing or repairs), we’ll cover your legal liability for loss or damage to another person’s car or property caused by using a substitute car, except if it’s a hire car or one you own.
What's covered
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Damage by uninsured drivers
If an uninsured driver hits your car, we'll help cover up to $5,000 for reasonable costs of repairs to your car if you can show they're fully at-fault and give their name, address and rego number.
What's covered
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TPPD cover when towing caravans and trailers
We’ll help cover your legal liability for damage caused while towing a caravan or trailer (up to $20 million). More information on TPPD cover when towing caravans and trailers.
What's covered
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Hire car for not-at-fault incidents with uninsured drivers
If an entirely at-fault uninsured driver hits your car and you provide their name, address and rego, we'll arrange and pay reasonable costs for a hire car that meets your transport needs while yours is repaired.
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Damage to your vehicle (unless you’ve upgraded to Fire & Theft cover)
Outside of very specific scenarios, like damage to your vehicle by uninsured drivers, your car is not covered for any loss or damage. Very few exceptions apply.
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Test drives
We don’t cover loss or damage to your car during test drives for private sale unless you or another listed driver are a passenger in your car.
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Intentional or deliberate damage
We don't cover any intentional or deliberate acts caused by you or anybody authorised by you to operate your car.
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Unlicensed driving
Your car isn’t covered if it’s being driven by or is in charge of someone without a valid licence, or who isn’t complying with their licence conditions. More information on unlicensed driving
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Unattended car
If your car is left unattended, unlocked and with the keys left in the car, then any resultant theft or damage, loss, cost or legal liability won’t be covered.
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Unregistered driving
We don’t cover your car being used at the time of an incident if it was unregistered, unless the loss, damage, cost or liability was not caused by or did not result from the car being unregistered.
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This information is a summary only. For more info on what is and isn’t covered, including terms, conditions and exclusions, read the Product Disclosure Statement (PDS)
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Upgrade with Fire & Theft Cover
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Cover for fire, theft and attempted theft
Cover for accidental loss or damage from fire, theft or attempted theft. We pay up to the amount covered as shown on your certificate of insurance, unless stated otherwise in your policy.
Learn more about Third Party Fire & Theft
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Hire car after theft up to 21 days
If your car is stolen or recovered damaged, we’ll cover a hire car for up to 21 days or until your car is returned or your claim is settled. More information on hire car
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Cover for personal property in your car
Personal property in your car in an incident may be covered for fire, theft or damage, up to $500. Exclusions apply, like cash or tools.
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Other benefits
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AAMI Lifetime Repair Guarantee
Looking for something else?
Comprehensive Car Insurance
Cover for accidental loss or damage to your car, as well as damage your car causes to other people’s vehicles and property.
Explore Comprehensive Car Insurance
Compulsory Third Party (CTP) Insurance
Cover for liability for injuries caused to other people in a motor accident involving your car.
Explore CTP Insurance
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What is Third Party Property Damage Car Insurance?
Third Party Property Damage Car Insurance helps cover legal liability to pay compensation for damage to other people’s cars or property caused by your car (up to $20 million). This provides cover for you or anyone you allow to drive your car. For an extra cost, you can add Fire and Theft Cover, to include cover to your car for accidental damage from fire or theft or attempted theft. This differs from Compulsory Third Party Insurance (like 'CTP' in SA or 'Green Slip' in NSW), which generally covers liability for injury or death to another person from a motor accident involving your car.
Frequently asked questions
AAMI Third Party Car Insurance
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