Third party, fire and theft car insurance

Third party, fire and theft insurance – the second most comprehensive policy – covers you if your vehicle's stolen or damaged by fire. Or, if you're at fault for an accident that damages a person's vehicle or property.

Budget Direct Third Party Fire and Theft

Budget Direct Third Party Fire and Theft logo image
  • Get a 15%* online discount
  • 24/7 Claims
  • Lifetime guarantee on repairs
  • Save by restricting younger drivers
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*First year's premium for a new policy. T&Cs apply.

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Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Third Party Fire and Theft
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Everyday Third Party Fire and Theft
Everyday Rewards Members can save 10% once a month on their Woolies shop. T&Cs apply.
Youi Third Party Fire and Theft
Agreed or Market
Up to $20 million legal liability cover and 24/7 claims team.
Qantas Third Party Property, Fire and Theft
Earn Qantas Points when you sign up. T&Cs apply.

What is third party, fire and theft car insurance?

Third party, fire and theft car insurance covers you for damage to another person's vehicle or property. It also compensated you if your car's damaged due to fire or theft, or if it's stolen.

This type of insurance goes beyond compulsory third party (CTP) cover and third party property cover. However, it doesn't cover the cost of damage to your own car – for that you'll need comprehensive insurance, which can cost more.

What does third party, fire and theft cover?

A typical policy includes the following:

Third party

Damage to someone else's property (the 'third party' bit)

Protects you if you cause damage another person's vehicle after an accident. It'll also cover another's property, such as their fence or wall.

third party, fire and theft

Loss or damage to your car from fire or theft

Covers up to the market value of your car if it's stolen, or damaged from an attempted theft or a fire. Your cover will often include all the expenses associated with towing and storing your damaged car.

Car protection

Damage to your car if you're hit by an uninsured motorist

If an uninsured motorist hits your car, and you can identify the person, Third party, fire and theft insurance will cover some costs. However, this usually only pays out up to $5,000.

How does this type of car insurance compare to others?

There are 4 main types of car insurance available. Here's a summary of what they cover:

CoverCTP insuranceThird party property damage insuranceThird party, fire and theft insuranceComprehensive car insurance
Damage to my vehicle in an accident
  • No
  • No
  • No
  • Yes
Damage to another person’s vehicle or property
  • No
  • Yes
  • Yes
  • Yes
Loss or damage to my car due to fire
  • No
  • No
  • Yes
  • Yes
Loss or damage to my car due to theft
  • No
  • No
  • Yes
  • Yes
Loss or damage to my car due to storm, hail and flood
  • No
  • No
  • No
  • Yes

What are the benefits of third party, fire and theft car insurance?

  • It covers some common risks. Get protection for car accidents, theft and fire damage – among the biggest risks all drivers face.
  • It can be cheaper than comprehensive car insurance. This mid-level policy option combines a decent range of cover with competitive premiums. But, it doesn't offer the same level of insurance as comprehensive cover. For example, it won't cover the contents in your car or replacement keys.
  • It offers additional benefits. Most third party, fire and theft policies also include a range of additional benefits, such as towing and storage costs, a hire car after theft, and cover for damage caused by uninsured motorists.
  • It provides peace of mind. Like any form of car insurance, third party, fire and theft insurance is all about peace of mind. It gives you the confidence and reassurance you need before getting behind the wheel.

What isn’t covered by third party, fire and theft insurance?

There are a few situations where third party, fire and theft insurance won't cover you. The main ones relate to damages to your car.

  • Natural disasters. You won't be covered for natural disasters including storms, floods, hailstorms, earthquakes or landslides. The one exception is bushfire since it does cover fire of all types.
  • Accidents you cause. You won't be covered for any damage to your own car if you cause the crash.
  • Vandalism. You won't be covered for vandalism. However, you will be covered if someone damages your car while attempting to steal it.
  • Hitting an animal. You won't be covered for hitting an animal, even if there was nothing you could do to avoid it.

What affects the cost of third party, fire and theft car insurance?

There are a range of risk factors that can affect the cost of car insurance, including:

  • The car you drive. The more expensive or powerful your vehicle is, the more it will cost to insure. Whether or not it has a security system fitted can also affect premiums.
  • Where you live. If your suburb has a high rate of theft, expect to pay more for cover. You can also expect to pay more if your car is kept on the street rather than locked in a garage.
  • The insured drivers. The age, gender, experience, driving record and claims history of all drivers will be assessed by the insurer when determining your premiums. Young drivers pay more than older drivers and cover tends to be more expensive for men than women.
  • Other factors. Is the car used for private use only? How many kilometres do you drive each year? Has your car been modified at all? Your answers to all of these questions will have a bearing on how much you pay for cover.

How can I find the cheapest third party, fire and theft policy?

  • Compare policies. It’s quick and easy to compare car insurance quotes online, so get quotes from multiple insurers and see which policy comes out on top.
  • Choose a higher excess. The higher your excess, the cheaper your premium will be.
  • Take advantage of discounts. Many insurers offer discounts to people who insure multiple cars, hold multiple policies with the same provider or are long-term customers.
  • Restrict cover. Restricting cover to drivers over the age of 25 or 30 only can help you reduce your premiums.
  • Secure your vehicle. Vehicles that are kept in a locked garage and that also have their own security and anti-theft devices installed are harder for thieves to steal, which therefore makes them cheaper to insure. Read more on how to keep your car safe.
  • Buy online. Some insurers offer substantial discounts if you purchase your cover online. You can also score savings by paying for your policy annually, if you can afford it.

Want to save on your third party, fire and theft insurance?

Budget Direct

15% online discount on car insurance

Verified 5 days ago
Receive 15% off your first year's premium when you purchase a new policy online. T&Cs apply.
ahm Car Insurance Deals

Get free roadside assistance when you purchase a comprehensive policy

Verified 5 days agoExpires 30 Jun 2023
Get free roadside assisstance for 12 months when you purchase a new comprehensive car insurance policy by 30 June 2023. T&Cs apply.

How can I find the best third party, fire and theft insurance?

Here's what to keep in mind when looking for the best third party, fire and theft insurance for you:

  • Do you travel far from home? If so, you'll want a policy that offers emergency repair transport and accommodation cover. This helps you get back home or to a hotel immediately after a covered event.
  • Can you live without a car? If you'd find it hard to go without your car while it's being repaired or replaced, you should consider a policy that covers the cost of a hire car.
  • Do you carry expensive items with you? If so, you should consider a policy that has cover for your personal items. Also pay attention to how much personal item cover each policy offers.
  • Do you have a repairer you like? Some policies make you use a repairer that the insurer chooses. If you have a different repair person you like, you'll want a policy that lets you choose where to take your vehicle.

Once you land on a few policies that offer the features you want, get quotes from each of them to see who offers the best possible price.

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    2 Responses

      Default Gravatar
      rossMarch 6, 2017

      need cover have driver (L)with drug conviction less than 3yrs

        Avatarfinder Customer Care
        ZubairMarch 8, 2017Staff

        Hi Ross,

        Thank you for your question. is a comparison and information service and not an insurer. Most insurers in Australia will ensure you with a drug conviction but depending on the offense, you may pay a little more for cover.

        You may find our car insurance for learner drivers and car insurance for drivers convicted of drunk driving guides helpful.

        Please make sure though to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.


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