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
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 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
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When you buy it online
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Customer rewards
AAMI Lucky Club
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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?
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?
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Damage to other people's property
If you’re in an incident using your car that causes damage to someone else’s car – or other property, like their garden, fence or letterbox – we’ll cover you for up to $20 million.
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.
Upgrade with Fire & Theft Cover
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Damage by fire
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.
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.)
Reasons customers choose AAMI
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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.
Confused about all the various types of car insurance plans? Unsure what coverage best suits your lifestyle? We help break things down for you with our simple guide.
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.
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.
