Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

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

Economical

Damage to other people's property

Up to $20 million of cover if your car damages someone else's vehicle or 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?

  • Damage to other people's property up to $20 million 
  • Damage to your vehicle by uninsured drivers up to $5,000 

More about coverage types

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.)​

what can you add

  • Damage by fire 
  • Cover for theft or attempted theft 
  • Hire car after theft for up to 21 days​ 
  • Up to $500 for personal items 

More about Fire & Theft Cover

Save $20
When you buy it online

Get a quote

This is a summary only - check out the details

Product Disclosure Document (PDS)

Customer rewards

AAMI Lucky Club

AAMI Lucky Club lets eligible customers enjoy special offers, access to event perks like priority entry, premium viewing or pre-sales, and everyday discounts on groceries, petrol and more. More about AAMI Lucky Club.

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?

What’s covered by Third Party Car Insurance?

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?

Upgrade with Fire & Theft Cover

Reasons customers choose AAMI

Trusted since 1969

24/7 Claims

AAMI Lucky Club

Take control with My Account

Skip the queue! AAMI customers can – depending on their policy type – check policy info, make payments, lodge claims and more online, 24/7

Car insurance articles

Showing 3 of 4 articles Showing 2 of 4 articles Showing 1 of 4 articles

AAMI Third Party Car Insurance

Frequently asked questions

This content applies to new policies and renewal policies with a start date after 14 December 2020.

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.

Need a hand?

Chat online now