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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

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

  • Damage by fire 
  • Cover for theft or attempted theft 
  • Hire car for up to 21 days 
  • Replacement keys and recording of locks 
  • 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)

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

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AAMI Comprehensive Car Insurance

Frequently asked questions

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.