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Third Party Car Insurance

Third Party Car Insurance covers the basics including damage to other people’s vehicles and property.

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What is Third Party Car Insurance and what's included?

Third party car insurance offers cover for damage caused to someone else’s vehicle or property if you’re liable for it. It can also, for an additional premium, include cover for loss of, or damage to, your car caused by fire or theft. It is different to Compulsory Third Party Insurance.


$20 OFFnew policies when purchased online

Third Party Property Damage Car Insurance just covers damage you cause to other people's vehicles and property. It's different from Compulsory Third Party Insurance (also known as 'CTP or 'Green Slip'), which only covers your liability to pay compensation for injuries to other people.



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Policy document downloads

Product Disclosure Statement (PDS)


  • Damage to other people's vehicles and property

    Rest easy, we’ve got you covered up to $20 million if your car damages someone else’s vehicle or property.

  • Damage by uninsured drivers

    You’re also covered up to $5,000 for damage to your car by an uninsured driver at fault.

This is just a summary. For full details about what is and isn't covered, check the PDS (Product Disclosure Statement). It's dry, we know, but it's essential reading.

AAMI Third Party Car Insurance


The Fire and Theft Cover optional extra upgrades your policy to include cover against fire, theft and attempted theft damage to your car.

  • Car Theft

Your car deserves the best

Comprehensive Car Insurance

Everything above, plus...

  • Accidental damage to your car – even when it’s your fault
  • Choose a larger amount to cover your car for
  • Optional 24/7 roadside assistance - with AAMI Roadside Assist

$50 off Comprehensive Car when you buy online

Customer Rewards

Make the most of the customer rewards! From retail discounts to experiences at concerts, movies, sporting events and more, enjoy great value on services that you'll love. See more Customer Rewards.

Customers with the following AAMI policies are eligible for AAMI Lucky Club: Car and Vehicle policies (except ACT CTP), Home and/or Contents (including Landlord and Strata), Life, Income Protection, and Health. AAMI customers that only hold the following insurance policies aren’t eligible for AAMI Lucky Club: ACT CTP, Business, Pet, Travel.

The Reward and Recognition program ("Suncorp Benefits") is being operated by EONX Services Pty Ltd ABN 39 615 958 873. To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator’s privacy policy.

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.)

Replacement Keys

Up to a value of $1,000.

Hire car

We keep you on the road with a hire car until your car’s returned undamaged or repaired, to a maximum of 21 days.

Write Off

We consider your car a write off when:

  • It’s stolen and unrecovered after 14 days; or
  • We decide it's uneconomical, impractical or unsafe to repair.

We also refer to this as ‘total loss’.

This is a just summary. For full details check the PDS (Product Disclosure Statement). It’s dry, we know, but it’s essential reading.

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.

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