Third Party Property Damage (TPPD) Insurance is car insurance that covers damage you cause to other people’s cars or property in an accident.
And that’s not all. If an uninsured driver damages your car, you’ll be covered for that too (up to $5,000)2.
If you want extra cover in case your car is ever stolen or catches fire, check out Third Party Fire & Theft Insurance.
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
Damage to others' property
We cover damage you cause to other people’s cars or property in an accident (up to $20 million).
Ridesharing
We cover you if you occasionally drive your personal car for a ridesharing service like Uber3.
Accidents caused by uninsured drivers
We cover damage to your car if an uninsured driver causes an accident2 (up to $5,000).
There are some things we don’t cover
Damage to your car
We don't cover damage to your car (unless it’s from an accident caused by an uninsured driver2).
Injuries to you or others
Injuries are covered by your Compulsory Third Party (CTP) 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.
Third Party Property Damage (TPPD) Insurance is our most basic level of car insurance cover. It includes liability cover, which covers you if you unintentionally cause damage to other people’s vehicles or property in an accident. All NRMA Car Insurance policies come with liability cover up to $20 million.
Limits and exclusions apply, so read the Product Disclosure Statement (PDS) for more information.
No, they’re different.
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 Property Damage Insurance is optional and covers certain things that CTP Insurance doesn’t, like if you accidentally damage another person’s car or property while driving.
Comprehensive Car Insurance offers a higher level of cover than third party car insurance. Our Comprehensive, Comprehensive Basics and Comprehensive Plus Car Insurance policies all include third party property damage and fire and theft.
If you don’t want Comprehensive Car Insurance, you could get Third Party Fire & Theft Insurance, or opt for Third Party Property Damage Insurance which doesn’t cover fire or theft.
Unlike CTP Insurance, these are optional types of car insurance, so it’s up to you to choose the level of protection you want for your vehicle (if any).
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.
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.
Cover for your car if it's stolen or catches fire, as well as cover for damage to other people's cars and property if you cause an accident.
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.
