Third Party Fire & Theft Insurance is car insurance that can help cover costs if your car is stolen, catches fire, or is damaged by an uninsured driver.
It also covers damage you cause to other people's cars and property in an accident.
Third Party Fire & Theft Insurance includes the same cover as Third Party Property Damage Insurance, with added protection for fire and theft.
This is just a summary of the differences between NRMA car insurance levels of cover. Check our Product Disclosure Statement for specific terms, conditions, limitations and exclusions for each level of cover.
Here’s a summary of what’s covered, for anyone who drives your car1
Even if someone else drives your car1
Theft
We cover your car if it’s stolen or damaged by someone trying to steal it.
Damage to others’ property
We cover damage you cause to other people’s cars or property in an accident (up to $20 million).
Hire car after a theft
We can arrange a hire car or alternative transport if your car’s stolen or can’t be driven because someone tried to break into it3.
Fire
We cover damage to your car caused by fire.
Accidents caused by other drivers
We cover damage to your car if an uninsured driver causes an accident (up to $5,000)2.
Towing
We pay for towing to a repairer or safe place if your car can’t be driven after a fire, attempted theft, or an accident that’s not your fault.
Emergency repairs
We pay for repairs you need to make after an incident we cover so your car’s secure and safe to drive (up to $800).
Ridesharing
We cover you if you occasionally drive your car for a ridesharing service like Uber4.
There are some things we don’t cover
Damage you cause to your car
If you cause an accident, we don’t cover damage to your car (but we do with Comprehensive Insurance).
Injuries to you or others
Injuries are covered by your Compulsory Third Party (CTP) Insurance.
Storm, hail or flood
Damage caused by some severe weather (except bushfires) isn’t covered but it is with Comprehensive Insurance.
They’ll give you full details on limits, conditions, exclusions and more
Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.
Fire and Theft Insurance is optional, so it’s up to you if you want this type of protection for your vehicle.
CTP Insurance is short for Compulsory Third Party Insurance. In Australia, CTP is mandatory. In some states and territories CTP is automatically included as part of the registration fee, but in others, you’ll need to purchase it separately. CTP Insurance covers costs like medical treatment and lost income for people you injure in a road accident.
Third Party Fire and Theft Insurance is optional and covers certain things that CTP Insurance doesn’t, like if your car is stolen, catches fire, or damaged by an uninsured driver.
Yes, our Comprehensive, Comprehensive Basics and Comprehensive Plus Car Insurance all cover fire, theft and more.
Yes, your car’s mods and accessories (like alloy wheels, spoilers and tow bars) are automatically covered.
If you have Third Party Fire & Theft Insurance and you make a claim, we include your accessories and modifications in the market value of your car (up to a maximum of $10,000).
You don’t need to list a learner driver on your policy unless they’re the registered owner of the car. If you need to pay an excess, we’ll base it on the details of the supervising driver.
We cover anyone who drives your car, even if you haven't nominated them on your policy1.
An additional excess (known as an 'undisclosed driver age excess') applies if the driver is under 25 years of age. You won't pay this excess if the driver's a learner and was appropriately supervised by a fully licensed driver over the age of 25.
An additional excess (known as an 'undisclosed driver excess') applies where the driver is 25 years of age or older and is not listed on your policy.
You won't have to pay either of these additional excesses if the driver is listed on your policy.
If your car’s damaged by fire or by someone trying to break into it, we’ll arrange for one of our Partner Repairers to fix it.
We have Partner Repairers across Australia, and we back the workmanship of their repairs with a lifetime guarantee.
Cover for damage you cause to other people's cars or property in an accident, as well as damage to your car by an uninsured driver. This doesn’t cover fire or theft.e policy. Your car will be covered for collision damage, accidental damage to other people’s property, as well as vandalism, theft, fire and severe weather. But with this level of cover, you can’t add any extras.
Cover for a wide range of things that can damage or destroy your car, including accidental damage, collision or crash, vandalism, theft, fire and severe weather.
Compulsory Third Party Insurance for your car if you’re in NSW or SA (or MAI Insurance in the ACT). This covers injuries to other people if you cause an accident on the road.
