Third Party Property Damage Car Insurance

Third party property damage car insurance, also known as third party, covers your legal liability to pay compensation which arises from damage to someone else’s vehicle or property, caused by the use of your car. You’re not covered if you crash or a weather event damages your car.

Don’t confuse this cover with Compulsory Third Party (CTP), also known as a Green Slip in NSW, which covers you if a third party injures you in a motor vehicle accident.

Compulsory Third Party (CTP) insurance, also known as a Green Slip in NSW, is mandatory. If you or anyone driving your car injures someone else in an accident, it’ll cover the compensation claim costs. It doesn’t cover any damage to vehicles or property.

Unlike CTP, third party car insurance doesn’t cover injuries. It covers the legal responsibility of the driver of your car to pay for the damage they cause to someone else’s vehicle or property through the use of your car. For example, if a driver accidentally runs into a parked car.

Importantly, third party car insurance doesn’t cover damage to your car. You need to purchase a comprehensive car insurance policy to cover that.

No, CTP isn’t included in third party property damage car insurance.

Third party property damage car insurance provides cover for the damage caused by the use of your car to other people's vehicles or property. If you buy a third party property damage policy, you’ll still need to register your car, and if you live in NSW, QLD, SA or ACT, purchase separate CTP insurance, also known as a Green Slip in NSW.

Third party property damage car insurance provides cover for damage caused to other people’s vehicles or property by the use of your car. It doesn’t cover damage to your car or your property.

Watch this video to compare third party car insurance with other car insurance options.

Fire and theft is a cover option you can add to your Third Party Property Damage Car Insurance policy. It provides cover for loss or damage to your car caused by fire, theft or attempted theft for up to the amount shown on your Certificate of Insurance. The Fire and theft cover option also insures you for:

• Fire-damaged or stolen baby capsules and child seats inside your vehicle
• Towing and storage costs
• A hire car after theft or attempted theft. We’ll arrange and pay the reasonable daily cost of a suitable hire car, if your car is stolen or damaged in an attempted theft. It will be provided for up to 14 days:
  • Until your car is found and doesn’t need repairs; or
  • Until repairs authorised by us are completed; or
  • Until we pay the reasonable costs to repair your car; or
  • Until we pay your claims after your car has been assessed as a total loss.

Your third party property damage car insurance premium depends on several factors, such as your level of cover, type of car and driving history.

The easiest way to compare car insurance and see how much it may cost you is to get a quote. Your premium is the cost of buying your policy. It’s the amount we set by considering things like the chances of you making a claim, the options you’ve chosen, the overall cost of claims we expect to pay, our business expenses and other commercial factors.

For more information, read our Additional Information Guide.

A basic excess is the amount you’ll need to pay towards the cost of most claims you make on this policy. For example, if the cost to repair damage caused by your car to another car in an accident was $9,000 and your basic excess was $800, you would pay $800. Your insurer would pay the $9,000 to settle the other vehicle owner’s repair cost.

Our Product Disclosure Statement (PDS) details the excess types that apply to your QBE Third Party Property Damage Car Insurance policy. The excess types and amounts that apply to your policy will be shown on your Certificate of Insurance.

For more information about excesses and how they apply to your policy, read our Additional Information Guide.

Read more about excesses and how they work.

You can pay an extra premium to add the Fire and theft cover option to your QBE Third Party Property Damage Car Insurance policy. Once added, this option provides cover for loss of or damage to your car caused by fire, theft or attempted theft for up to the amount shown on your Certificate of Insurance, or if your car is assessed as a total loss, we’ll pay the market value of your car – whichever is lower.

If you pay extra to add the Fire and theft cover option to your QBE Third Party Property Damage Car Insurance policy, we’ll replace your fire damaged or stolen baby capsules and child seats which are inside your car.

Check the accident scene is safe. Call the police and an ambulance if anyone is injured or there’s significant property damage. Prevent further damage to your car and keep it secure.

Ensure you collect the name, address, phone number, registration number and car insurance details of any other driver involved and the contact details of any witnesses.

When contacting QBE’s car insurance claims department to lodge your claim, have this information on hand. You can call us 24 hours a day on 133 723 or lodge your claim online.

Choosing the right car insurance depends on your needs, and everyone’s needs differ. Understanding the difference between comprehensive car insurance and third party property damage car insurance is important.

Comprehensive car insurance covers your car and its driver for accidental damage to other people’s vehicles and property. For example, we’ll cover you if you accidentally run into another car at the traffic lights.

Third party property damage car insurance provides less cover. It covers your legal liability to pay compensation which arises from damage to someone else’s vehicle or property caused by the use of your car. It doesn’t cover your car’s repairs if its driver causes an accident. It also doesn’t cover damage caused by weather events, fire or theft.

Under QBE's Third Party Property Damage Car Insurance, you can choose to add the Fire and theft cover option for an additional premium to include cover for loss of or damage to your car caused by fire, theft and attempted theft up to the amount shown on your Certificate of Insurance.

It’s worth considering your car’s value and the level of cover you’d like.

Compare our car insurance options for more information.

Head to our car insurance claims page to make a claim online, or call us on 24 hours a day on 133 723.

Call the police immediately to make a report, then contact QBE on 133 723 (24/7) to lodge your claim. You can also claim online.

To avoid your claim being delayed, reduced or refused, you must not admit fault or liability if you’re involved in an incident.

Contact QBE’s car insurance claims department so we can anticipate contact from the other driver involved. We’ll handle all communication between them or their insurance provider on your behalf. Call us 24 hours a day on 133 723.

If we repair your car under the Fire and theft cover option under your QBE Third Party Property Damage Car Insurance policy, we’ll arrange for your car to be repaired by a QBE Accredited Smash Repairer or another licensed repairer we choose. This also applies if an identified uninsured driver damages your car, and we accept your claim. Our hand-picked nationwide repairer network has been chosen to ensure you get a high-quality, guaranteed repair.

Yes, but only if the penalty results in your driver licence being suspended, cancelled or disqualified. Tell us as soon as this happens, and we’ll review your policy.

At renewal time, you should also check your renewal document carefully and tell us of any changes to your car, how you use it and your driving history. If you’re unsure about what to tell us, call 133 723, and we can quickly confirm for you.

Learner drivers who display L plates don’t need to be listed on your policy. Under Third Party Property Damage Car Insurance, L platers may drive as long as they comply with their licence conditions and a properly licensed driver supervises them.