Third Party Fire and Theft Car Insurance

  • Affordable cover for your car
  • Car stolen? We’ll see it through.
  • Easy ways to save on your premium

Nominated driver discounts. $30 million liability cover.

Get great mid-range cover for your ride

If your car or motorbike has clocked up a few kilometres in its time, then CGU Third Party Fire & Theft is a great mid-range insurance option for you. The best news? You can tailor the insurance to suit your budget and the way you drive.

  • Emergency or temporary repairs

    If your car needs emergency or temporary repairs so that it can be driven or used, we will cover the cost of repairs, up to $500 (inclusive of GST) per incident.

  • Towing and transport of your vehicle

    If your car is damaged in an accident and cannot be driven or used, we will tow it from the scene to a place of safety, the nearest repairer, or any other place we agree to.

  • Removal of debris

    If your car is damaged in an incident or an item stolen from your locked car, we will cover the cost to repair or replace them up to $500 (inclusive of GST).

  • Re-coding of locks and barrels after theft of keys

    If the keys of your car are stolen, we will cover the cost to repair and re-code your locks and barrels, up to $1,000 (inclusive of GST).

  • Storage costs of your car

    If your vehicle is put into storage while we settle your claim, we will cover the reasonable storage costs.

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We help you see it through

  • Outstanding service

    It’s no accident that CGU has such a strong following being a 2015 winner of the Insurance Industry Award for outstanding service to customers

  • Experience counts

    With 160 years of insurance experience behind us, you can trust CGU to help you out when you need it most.

  • Simple claims process

    It’s easy to make a claim with CGU. Get started any time of the day or night. The rest of the process is quick, simple and hassle-free, too.

Third Party Fire and Theft Car Insurance FAQs

  • Is a learner driver covered on my car insurance?

    Yes, they are!

    So even when the L plates are on, your car insurance counts.

    If you’ve chosen the Nominated Driver policy under your CGU Third Party Fire & Theft cover, the learner driver must be accompanied by one of the nominated drivers on your policy.

    Please refer to the Product Disclosure Statement (PDS) for full terms and conditions.

  • What is third party fire & theft car insurance?

    Let’s break down the name ‘third party fire & theft’ to show you exactly what you’re covered for if you take out this insurance:

    • Third party – this is cover for any damage or loss that your car or motorcycle causes to another person’s vehicle or property (some exclusions, like driving under the influence, apply)
    • Fire – this is cover for your car if it’s a write-off or damaged as a result of fire
    • Theft – this is cover for your car if it’s stolen or damaged in an attempted theft. Your keys are covered, too.

    CGU Third Party Fire & Theft car insurance comes with some added benefits that give you greater peace of mind. These include:

    • Uninsured motorist damage – if your car is damaged in a collision and it’s not your fault, yet the other driver doesn’t have insurance, we’ll cover the cost to repair your car (up to $5,000)
    • Hire car after theft – if your car has been stolen, or isn’t drivable after a bungled theft, we’ll look after the cost of a hire car for up to 21 days

    To fully understand exactly what you’re covered for, please read the Product Disclosure Statement (PDS).

  • How much does third party fire & theft car insurance cost?

    The cost of your third party fire & theft insurance policy depends on a range of factors, including your age, location, your vehicle’s make and model, and whether you keep your car in a garage or not.

    You can lower the cost of your insurance by nominating two drivers to be covered on your policy.

    The best way to answer this question is to complete a quick quote. You’ll have an answer in 3 minutes.

  • Is my car covered when someone else drives?

    This depends on the type of third party fire & theft car insurance policy you’ve chosen (there are two to choose from).

    With our standard Motor Vehicle Insurance Policy, your car is covered no matter who’s behind the wheel (note: some exclusions apply).

    With our Nominated Driver policy, drivers under 25 years of age aren’t covered (except for learner drivers accompanied by a fully licensed driver aged 25 years or more). Anyone that’s not listed on your policy will incur a higher excess in the event of a claim, too.

    It’s a good idea to read the Product Disclosure Statement (PDS) before letting someone else drive your car.

Understanding your third party fire and theft car insurance quote

Your age

Let’s face it. Younger drivers have less experience and can be more likely to have accidents. So if you’re under 25 years of age, you’ll pay a little more.

Your vehicle

In calculating your premium, we look at the make and model of your car, and how much it would cost to repair or replace it.

Your location

Some suburbs have higher rates of accident or theft than others, which is why we’ll ask you where you usually park your car.

Garage or street?

If you keep your car in a garage overnight, it’s much less likely to be damaged or stolen than one parked on a street.

Your driving history

Got a clean slate? We’ll lower your premium if you haven’t made any claims in the past.

Need help choosing the right insurance?

We’re here to help you work out which car insurance policy is right for you. Our friendly CGU insurance specialists can answer all your questions, or you can turn to an insurance adviser for help in assessing your risk and working out the right cover for your needs.

Product Disclosure Statement

Within this PDS, you’ll learn everything you need to know about what’s covered under your insurance policy – including things like exclusions and excesses. Go on, make yourself a cuppa and read it now.

Car Insurance Product Disclosure Statement (PDF 455.92 KB)

Like your family, we’re here when you need us

  • A handy claims app

    Use our Claims Support App to record all the crucial details after an accident. You can share them with us immediately, or keep as a record for down the track.

  • You can lodge a claim 24/7

    Accidents happen day and night. Simply call 13 24 80 at any time to kick off your claims process.

  • Nationwide repair network

    CGU has a national network of over 450 partner repairers, who meet our standards of safety and service are here to get you back on the road as quickly as possible. Or, you can choose your own repairer.

Our claim specialists are here to help

When possible, you’ll deal with one person from CGU. They’re here to answer your questions and support you throughout the claim.

A woman in a customer support centre

Need to make a claim?

Step 1. Call 13 24 80 with your policy number and any other information about the incident handy.

Step 2. We’ll kick off the claims process, and keep you informed every step of the way.

Visit the Claims hub

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