Third Party Car Insurance
Save $20 off
when you buy a new policy online*
Our Third Party Car Insurance offers liability cover to get you started, without the extra features of our Comprehensive levels of cover.
What am I covered for?
At the most basic level, Third Party Property Damage provides cover for:
Liability for loss or damage your car causes to another person’s vehicle or property.
Damage by uninsured drivers (up to $5,000).
Third party property damage caused by caravans and trailers towed by your car.
Optional Fire & Theft cover
You also have the option of upgrading your Third Party Property Damage to include Fire & Theft, which gives you the basic cover plus:
Liability for loss or damage from fire and theft.
After claim expenses
If your car's stolen or damaged in an incident we will pay up to a total of $1000 towards:
- emergency travel and accommodation if your car's not safe to drive and you're more than 100km away from home
- emergency repairs to make your car roadworthy or safe so that you can get to your destination or to a repairer
- replacing your personal property such as clothing or electronic and telecommunication devices lost or damaged at the time of the incident.
Note: you need to provide us with all invoices and receipts.
After claim expenses after fire or theft
Hire car after theft for up to 21 days
We'll cover the reasonable cost of a hire car that meets your needs for up to 21 days following theft, covered by your policy.
Please note: A hire car cannot be used by learner drivers.
Terms, exclusions and conditions apply.
See the PDS for full details.
Up to 21 days hire car after theft.
Ways to save on your premium
Comprehensive Car Insurance
Our Third Party covers don’t cover you for accidental loss or damage to your own car. If that’s what you’re looking for, see our Comprehensive Car insurance cover.
Frequently Asked Questions
Any person that you know will drive your car repeatedly should be listed as a driver on your policy.
The exception to this are learner drivers who do not need to be listed on the policy until they get their licence. They will still be covered while driving the car while on their learners and the relevant parts of the PDS will apply to any claim. A standard excess and other applicable excesses apply if the learner is driving at the time of the incident.
It is always better to list any person on your policy who will drive your car, as if you don’t, it may result in an additional excess, a reduction or refusal of a claim. Please note: Learner drivers are not covered to drive a Hire Car obtained under your insurance policy. We also do not cover any driver under the age of 25 while driving a High-Performance vehicle.
Please refer to the PDS for more information.
Yes, any person that you know will be driving your car either regularly or occasionally should be listed on the policy.
If you receive any letters of demand, or are contacted verbally, contact us as soon as possible to update us.
Looking for something else?
We also offer insurance for these vehicles:
Insights and stories
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Showing 2 of 5 articles
Showing 1 of 5 articles
Whether you have bought a new car and need insurance, or your existing policy has run out, we list the types of insurance available to you and what you will need – Read More
Wondering about roadside assistance, and whether or not it’s something you need? Check out our guide – read more.
What can you do if you’re involved in an accident and don’t have car insurance? Explore your options as an uninsured driver.
Buying car insurance is one thing, knowing the ins and outs of it is another. We’ve put together some do’s and don’ts to help you make the best decision for you. – Read more
*Offer available only for the purchase of a new eligible policy of insurance issued by AAI Limited ABN 48 005 297 807 AFSL 230859 trading as Suncorp Insurance. Discount will be applied upon purchase of the new eligible policy of insurance and subtracted from the price of the premium.If you’re eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding taxes and charges).
#15% Multi Policy Discount: Combine 3 or more eligible products with us and you could qualify for a 15% Multi-Policy Discount. Eligible policies are Suncorp Home, Contents, Landlord, Car, Motorcycle, Caravan (including trailer), Motorhome and Boat. Suncorp QLD CTP Insurance counts as an eligible policy, but it cannot be discounted due to government regulations. Refer to the relevant motor or home Additional Information Guide for more details. Discounts do not apply to Suncorp Roadside Assist, Suncorp Insurance Home Assist and Excess-free Glass optional covers. View full terms and conditions.
After claim expenses
If your car's stolen or damaged in an incident we will pay up to a total of $1000 towards:
- emergency travel and accommodation if your car's not safe to drive and you're more than 100km away from home
- emergency repairs to make your car roadworthy or safe so that you can get to your destination or to a repairer
- replacing your personal property such as clothing or electronic and telecommunication devices lost or damaged at the time of the incident.
Note: you need to provide us with all invoices and receipts.
Hire car after theft for up to 21 days
We'll cover the reasonable cost of a hire car that meets your needs for up to 21 days following theft, covered by your policy.
Please note: A hire car cannot be used by learner drivers.
Terms, exclusions and conditions apply.
See the PDS for full details.
