What's included in Third Party Property Damage Car insurance cover?
QBE’s Third Party Property Damage Car insurance, also known as third party, provides cover for damage caused by the use of your car to someone else’s vehicle or property. This cover is different to Compulsory Third Party insurance (CTP).
Except for our ‘Damage caused by an uninsured driver’ standard feature, or unless you have extended your policy to cover fire and theft up to $10,000, this policy doesn’t cover damage to your car. Cover includes:
- Damage to other people’s vehicles and property
If the person using your car causes damage to someone else’s vehicle or property, they’re covered for up to $30 million.
- Damage caused by an uninsured driver
We’ll cover your car for up to $5,000 for damage caused by an identified uninsured driver.
- Change of car
When you sell your car, we’ll automatically transfer cover to your next car for up to 14 days.
Fire and theft cover option
If you need extra peace of mind, you can pay a little more to add fire and theft cover to your policy. Once added, it covers your car for up to $10,000 for fire, theft or attempted theft damage. Alternatively, if you’re looking for our highest level of cover, then take out a new QBE Comprehensive Car insurance policy and you could save $75 online today.
With our Fire and Theft option you’re also covered for:
Hire car after theft or attempted theft
We'll arrange and pay for a hire car for up to 14 days if your car is not found or while we take care of repairs.
Baby capsules and child seats
We’ll replace these if they’re stolen or fire-damaged, together with your car.
Towing and storage costs
If you need to have your car towed after a fire or theft incident, we’ll cover the reasonable cost to get it to the nearest repairer or safe location.
Our Comprehensive Car insurance has been named a Mozo Experts Choice Exceptional Value Award winner! The award recognises our Comprehensive Car insurance for the great value-for-money cover it provides to everyday Australians. Find out more.
For the second year running we’ve been named by finder.com.au as Australia’s Green Insurer of the Year. We’re honoured to be recognised alongside the nation’s greenest industry leaders. A big thank you to our customers, people and partners for helping us do our bit to protect our planet. Find out more about our awards.
Learn more about car insurance
Comprehensive vs Third Party Car Insurance
When you’re buying car insurance it’s important you have the facts so you can make an informed decision. Understanding what you’re covered for will help you avoid unexpected costs and provide maximum peace of mind.
Car owners: your legal obligations
Cars give us the freedom to go where we want, when we want. With that convenience comes responsibility though, and as a car owner you need to meet two legal requirements: registration and Compulsory Third Party (CTP) insurance.
CTP and Green Slips explained
CTP insurance (known as a Green Slip in New South Wales) covers the cost of third party compensation claims, if you, or anyone driving your car, causes an accident in which someone else is injured. This includes your passengers, pedestrians, motorcyclists, cyclists, other drivers and their passengers.
Third party car insurance FAQs
Third Party Property Damage Car insurance, also known as third party, covers damage caused by the use of your car to other people’s vehicles or property. This cover doesn’t cover your car if you crash, or if its damaged by a weather event for example.
Don’t confuse this cover with compulsory third party (CTP), also known as a ‘Green Slip’ in NSW, which just covers people if they are injured in a motor vehicle accident.
Compulsory third party (CTP) insurance, also known as a ‘Green Slip’ in NSW, is mandatory. If the driver of your car causes an accident in which someone else is injured, it’ll cover the cost of the compensation claim. It doesn’t cover any damage to your car or to other people’s vehicles or property.
Third party car insurance doesn’t cover people being injured. What it does cover is the legal responsibility of the driver of your car to pay for damage they cause to someone else’s vehicle or property. For example, if the driver of your car accidentally runs into another car that’s parked.
Importantly, third party car insurance doesn’t cover your car for damage. You would need to purchase a comprehensive car insurance policy to cover that.
Our Third Party Property Damage Car insurance covers damage caused by the use of your car to other people’s vehicles or property, up to $30 million. 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.
The cost of car insurance depends on a number of factors, such as your level of cover, type of car and your 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 taking into account things like the chance of you making a claim under your policy, the options you’ve chosen, the overall cost of claims we expect to pay and our expenses of doing business as well as other commercial factors.
For more information, read our Additional Information Guide.
This 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 excess was $800, you would pay $800 to your insurer and it would pay the $9,000 to settle the other vehicle owner’s repair cost.
The excess types that apply to your QBE car insurance policy are explained in the PDS and their dollar amounts set out in your Certificate of Insurance.
You can find out more, and read claim payment examples, in our Additional Information Guide.
Check the accident scene is safe. If anyone is injured or there is significant property damage, call the police immediately, and an ambulance if needed. Try to prevent any 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.
Have this information at hand when you contact QBE’s Car Insurance Claims department to lodge your claim. 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 are different. It’s important to understand the difference between comprehensive insurance and what’s known as third party property damage insurance.
Comprehensive car insurance covers accidental damage to your car and covers its driver for damage their driving causes to other people's vehicles and property. For example, if your car accidentally runs into another car at the traffic lights.
Third party car insurance provides less cover. It doesn’t cover your car’s repairs if its driver causes an accident. It also doesn’t cover damage caused by things like weather events, fire or theft. It does cover the legal responsibility of the driver of your car if they cause damage to other people’s property, when driving your car.
QBE’s Third Party Property Damage Car insurance can be upgraded for an additional premium, to include cover for your car for fire, theft and attempted theft damage, for up to $10,000.
It’s worth considering the value of your car, and what risks you’d like it, and its drivers, to be covered for.
Compare our car insurance options for more information.
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 company on your behalf. You can call us 24 hours a day on 133 723.
Yes, but only if the penalty results in your driver’s licence being suspended, cancelled or disqualified. You need to tell us as soon as this happens, so we can review your policy.
At insurance 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 are unsure about something to tell us, give us a call on 133 723 and we can quickly confirm for you.
The information above is a summary of what’s included in our Third Party Property Damage Car Insurance cover. For full details about what is and isn't covered, read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for this product.