Third Party Property Damage from NRMA Insurance

Third Party Property Damage NRMA Car Insurance

If you have roadside assistance,
you could save on car insurance*

Get a quote Not a member?

Third Party Property Damage Insurance is basic car insurance for when things go wrong.

What's included

✓ Damage to others' property

Cover for damage you cause to other people’s cars or property in an accident (up to $20 million).

✓ Accidents caused by uninsured drivers

Cover for damage to your car if an uninsured driver causes an accident1 (up to $5,000).

✓Towing

Cover for towing your car to a repairer or safe place if it’s damaged by an uninsured driver1.

✓ Ridesharing

Cover if you occasionally drive your personal car for a ridesharing service like Uber2.


Get a quote

Already have a quote? Retrieve your quote online at NRMA Insurance

Not included

✗ Damage you cause to your car

If you cause an accident, damage to your car isn’t covered (but is it with Comprehensive Car Insurance).

✗ Storm, hail or flood

Damage caused by some severe weather isn’t covered (but it is with Comprehensive Car Insurance).

✗ Injuries to you or others

Injuries can be covered by your mandatory Compulsory Third Party (CTP) Insurance.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents:
Product Disclosure Statement, Premium, Excess & Discounts Guide

Have a question?

The main thing you get with Third Party Property Damage Insurance is ‘liability cover’.

It’s a basic level of cover (all NRMA Insurance car insurance policies come with liability cover up to $20 million).

It covers you for damage you cause to other people’s cars or property in an accident.

Yes, you can pay by the month for your car insurance.

You’ll still pay for 12 months of insurance, but NRMA Insurance will spread the payments out over the year.

You don’t need to list them on your policy unless they’re the registered owner of the car. NRMA Insurance cover anyone who drives your car, even if they’re not listed3.

Things you should know

  1. Your car’s covered if we agree it was the other driver's fault, you give us their name, address and rego number and the other driver was uninsured.
  2. You’re covered for limited hours if you’ve told us you’re using your own personal car for ridesharing and pay any extra premium. Your average hours a week should be equal to or less than what is shown on your Certificate of Insurance (COI) for this use.
  3. Cover is subject to standard underwriting guidelines and policy terms. An additional excess applies to drivers under 25.
  4. Any discounts will be applied to Your Policy, only to the extent any minimum premium is not reached. When we determine Your Premium on renewal, we may also limit any increases or decreases in Your Premium by considering factors such as Your previous year’s Premium amount.

This page is for information only. For the most up-to-date details on what’s covered, refer to the Policy Documents available on the NRMA Insurance website and view the product page.

 

*National Roads and Motorists’ Association Limited ABN 77 000 010 506 acts as a referrer under an agreement with the insurer, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681, trading as NRMA Insurance which is separate and independent from National Roads and Motorists’ Association (NRMA). If you take out an insurance product with NRMA Insurance, it will pay NRMA a commission of between 2.5% and 5% of the premium (exclusive of government charges) for CTP policies, and $173 per Motor policy. The commission may also be paid on any variations to your policy and on renewal. NRMA may receive other remuneration in relation to the referral services NRMA provides. The commissions paid to NRMA are included as part of your premium. NRMA provides roadside assistance, "My NRMA" membership, the "My NRMA app" and other services. To see if a product is right for you, always consider the Product Disclosure Statement. The Product Disclosure Statement and Target Market Determinations are available from nrma.com.au. Learn more about NRMA Insurance customer discounts. NRMA handles your personal information according to its privacy policy, available at www.mynrma.com.au/privacy-policy.

†Terms and conditions apply. Your roadside assistance or My NRMA membership could count towards an NRMA Insurance Relationship Discount if you held a longer Years of Relationship under the previous Loyalty Discount as at 20 April 2024. That longer Years of Relationship may be included in the Relationship Discount calculation for such period that the NRMA insurance relationship is maintained. You should refer to the Premium, Excess & Discounts Guide to determine the level of discount available to you. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When IAL determines your premium on renewal, IAL may also limit any increases or decreases in your premium by considering factors such as your previous year’s premium amount. You may not save more with more eligible policies and by staying with IAL longer if a minimum premium is reached, or IAL has limited increases or decreases in your premium.