Our Pick Of The Best Third-Party Car Insurance For Australians

The Budget Direct Third Party policy is a great all-rounder for Australian drivers, especially considering that other drivers are also covered when driving with your permission.

While there is no choice of repairer this is less important with third party policies than it is with comprehensive cover.

In terms of cover for damage to other people’s cars or property, you are covered for up to $20 million. You can also benefit from $5,000 of cover to your own vehicle if an uninsured driver causes damage to it, and you are able to add roadside assistance to your policy, which is a great benefit.

There is also a 15% online discount available, as well as customer service via livechat and phone for enquiries, plus a separate phone lines dedicated to claims.

CGU Third Party Property Insurance offers policies Australian wide, however, those in the ACT, NSW, QLD, SA, TAS, WA and the NT will have their policies sold through CGU’s partners.

Regardless of where you are in the country, CGU’s policy stays the same: you are covered up to $30 million if you damage other people’s cars or property in an accident (which is $10 million more than the industry norm), and will also receive $5000 cover for repairs to your own vehicle if it is damaged by an uninsured driver.

You can also choose your own excess to keep your premium costs down, with choices between $600 and $2050, which is quite a large spread. You can also choose your own repairer.

Unfortunately, you cannot add roadside assistance to your policy, nor are there any online discounts available at the time of writing.

In terms of customer service, there is a phone line for enquiries, a separate line for claims support, and an online portal for the management of your policy.

Youi Third Party Property Only Insurance doesn’t just cover you in the event you damage another car or property: the cover also applies to other drivers you choose to list on your policy, and anyone that you have given permission to drive the car.

Legal liability and damage is covered up to $20 million, which is the industry standard. Youi also provides uninsured driver cover up to $5,000, meaning you can claim $5,000 towards repairs of your vehicle if an uninsured motorist causes damage.

If you are involved in a claimable incident, Youi will also provide cover for counselling up to $1500, which is not usually provided as part of third party policy claims.

While there is no option to add roadside assistance to your policy, you are able to purchase it separately from Youi, with its roadside assistance available 24/7.

Unfortunately, there is no online discount at the time of writing, and policyholders cannot choose their own repairer nor their excesss.

QBE Third Party Property Policy covers damage up to $30 million including clean up costs—one of the highest on our list. You’ll also be covered by any damage caused to your own vehicle by uninsured motorists, up to $5,000 (which is the industry standard).

Any driver is covered by your policy provided they meet certain terms and conditions as explained in the QBE Third Party Property PDS, and you also have the choice of excess ranging from $300 to $2100.

Unfortunately, there is no option to add roadside assistance, no online discounts available at the time of writing, and also no choice of repairer.

While phone line for enquiries is only available Monday to Friday, there is a separate line for claims which is available 24/7.

As per the industry standard, Bupa Third Party Car Insurance covers policyholders up to $20 million for the legal liable required to pay as compenation for damage to other people’s cars and property. It doesn’t matter if you aren’t the one driving the car, either: other licensed drivers are also covered under your policy if you have given them permission to use your vehicle.

If an uninsured motorist causes damage to your own vehicle, you will be covered up to $3,000 or the market value of your car (whichever is less). You are also able to add roadside assistance to your policy, with a promotion running at the time of writing that gives you free roadside assistance for the first 12 months.

Unfortunately, you can’t choose your own repairer, but you can choose your excess with options between $500 and $5,000, which is a large range compared to most policies that offer a choice of excess.

While there is no online discount, Bupa members can save 10-15%.

RAC Third Party Car Insurance is another policy that offers higher legal liability and damage than the industry norm, with the policy covering you up to $25 million. Policyholders are also covered for damage to their own vehicle up to $5,000 if the damage is caused by an uninsured driver.

Roadside assistance can be added to the policy at an extra cost, and you are also able to choose your own repairer, meaning you can take your car to your local smash repairs if need be. Policyholders can also between an excess of $0 or $500.

There is no online discount, but the customer service offerings include dedicated phone lines, online enquiries, and an online portal for claims.

With GIO Third Party Property, any authorised driver is covered. This includes cover for damage and legal liability up to $20 million, as well as cover for your own vehicle up to $5,000 if damage is caused by an uninsured motorist.

While you can choose your own repairer, you are unable to choose your own excess to help lower your premium. The standard excess is $750, and additional excesses may also apply. There is also no roadside assistance included, nor can it be added to the policy.

There is a current promotion offering a 10% first year discount for new customers.

What stands out about GIO Third Party is its many customer service options: there is a virtual assistant available for enquiries, as well as Facebook Messenger. The phone line for enquiries is operational seven days per week, with a translation service as well. Plus, policyholders can make claims 24/7 online through the GIO app or website, or via the dedicated claims phone line.

ING Third Party Insurance covers you for up to $20 million in damages and legal liability. Other drivers are also covered provided they are permitted by the policy terms. Debris removal is also covered up to $500 and policyholders will also be insured up to $5,000 if there is damage to their own vehicle caused by an uninsured driver.

While there is no choice of repairer nor a choice of excess, there is the option to add roadside assistance. Plus, new customers can receive a 15% online discount.

In terms of customer service, ING has a phone line for general enquiries which is operational six days a week. There is a separate phone line for claims and claims support, which is monitored 24/7, as well as the option to submit claims online.

NRMA Third Party Property Insurance covers all authorised drivers on the policy up to $20 million for the legal liability of damage to other cars. For your own vehicle, you can claim up to $5,000 in damages if the damages were caused by an uninsured driver.

While you can’t choose your own repairer, you can choose your excess—ranging from $500 to $2,000. Plus, roadside assistance can be added at an additional cost, but unfortunately it is only available to those based in either NSW or the ACT.

At the time of writing, there was a 10% online discount being offered to new customers. There is also an app and online policy management, making it easy to adjust your policy if need be. Along with phone enquiry lines operated between 7am and 8pm, there are also online video appointments and language services as well.

If you’re a Woolworths Everyday Member you may consider taking out the Woolworths Everyday Third Party Property Car Insurance Policy. That’s because while there are no general discounts available, there are a range of discounts and rewards that can be claimed by those with a membership.

The policy covers legal liability for damage up to $20 million (as long as whoever is driving your car has your permission to do so), and also covers damage to your own car by an uninsured motorist up to $3,000 (which is less than the standard of $5,000).

There is no choice of repairer, but policyholders can choose an excess between $500 and $2,000. Roadside assistance can also be added at an additional cost.

For customer service, there is a phone line available seven days per week, as well as an online chat function and email enquiries.