Up to $20 million of cover if your car damages someone else's vehicle or property.
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Third Party Car Insurance
What is Third Party Car Insurance?
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.
Third Party
Car Insurance
Damage to other people's property
Damage by uninsured drivers
If a driver without insurance causes damage to your car in a collision, we'll cover it up to $5,000.
We must agree the other driver is at fault and they can give us their name, address and the registration details of the other vehicle.
what's covered?
Damage by fire
If your car is written off or damaged by fire, we cover repairs or the amount covered up to $10,000.
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'.
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.
This is a just summary. For full details check the PDS (Product Disclosure Statement). It's dry, we know, but it's essential reading.
Cover for theft or attempted theft
If your car is stolen or damaged by someone attempting to steal it, we'll insure you the amount you covered your car for.
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.
Replacement Keys
Up to a value of $1,000.
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.)
what can you add
Save $20
When you buy it online
This is a summary only - check out the details
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Lucky Club eligibility
Customers with the following AAMI policies are eligible for AAMI Lucky Club via My Account or the AAMI App:
- Any Car and Vehicle policies
- Home and/or Contents, including Landlord and Strata
- Life
- Income Protection
- Health (only via My Account)
- Travel (only via the AAMI App)
What am I covered for?
Third Party Property Damage Car Insurance covers damage you cause to other people's vehicles and property while behind the wheel. It's different from Compulsory Third Party Insurance (such as 'CTP' in SA or 'Green Slip' in NSW), which just covers costs related to injuries caused in a motor vehicle accident for which you're liable. Get the latest on what's included with AAMI Third Party Car Insurance.
What's included
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Damage to other people's property
If you cause damage to someone else's car, or other property, like their garden fence or letterbox, we'll cover your liability up to $20 million
Damage by uninsured drivers
If a driver without insurance causes damage to your car in a collision, we'll cover up to $5,000. We must agree the other driver is at fault and you have their name, address and rego number.
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Damage by fire
Written 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 Product Disclosure Statement (PDS). It's dry, we know, but it's essential reading.
If your car is written off or damaged by fire, we cover repairs or the amount covered up to $10,000.
Car theft
If your car is stolen or damaged by someone attempting to steal it, we'll insure you for the amount you covered your car for.
Hire car for up to 21 days
We keep you on the road with a hire car until your car's returned undamaged or repaired, to a maximum of 21 days.
Replacement keys and recording of locks
If you need to make any repairs after an incident, such as replacing your keys and recoding your keyless locks, we'll cover up to a total of $1,000.
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.)
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Car insurance articles
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Although these terms are easily mistaken, they’re quite different. We take a closer look at what they mean and why you should the know the difference.
AAMI Comprehensive Car Insurance
Frequently asked questions
Third Party Car Insurance cover protects you from the costs of damage your car causes to someone else's car or property, but the costs won't cover your wheels if they're damaged in an accident.
On the other hand, Compulsory Third Party Insurance is a mandatory cover attached to the registration of your vehicle and provides protection to the at-fault driver against compensation claims from people injured in a motor vehicle accident.
Your coverage amount will depend on your circumstances, such as what car you're driving and more. You can check your amount covered, including your excess, in your policy online.
AAMI Third Party Car Insurance covers damage caused to other people's vehicle and property, and damage by uninsured drivers.
Damage to other people's property
Up to $20 million of cover if your car damages someone else's vehicle or property.
Cover for theft or attempted theft
If your car is stolen or damaged by someone attempting to steal it, we'll insure you the amount you covered your car for.
Damage by uninsured drivers
If a driver without insurance causes damage to your car in a collision, we'll cover it up to $5,000.
We must agree the other driver is at fault and they can give us their name, address and the registration details of the other vehicle.
Damage by fire
If your car is written off or damaged by fire, we cover repairs or the amount covered up to $10,000.
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'.
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.
This is a just summary. For full details check the PDS (Product Disclosure Statement). It's dry, we know, but it's essential reading.
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.
Replacement Keys
Up to a value of $1,000.
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.
Written 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 Product Disclosure Statement (PDS). It's dry, we know, but it's essential reading.
