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8:30am to 5:00pm AEDST, Monday to Friday

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Third Party Fire and Theft Car Insurance

Cover that protects you from big bills if you cause an accident, with some extra cover for your car as well.

Great mid-range cover for your car

You might not want all the bells and whistles, but you can still get important protection for when you’re out on the road, plus cover in case your car’s stolen.

  • $30 million liability cover

    You’re covered up to $30 million if you damage other people’s cars or property in an accident.

  • Protect your car

    Your car’s covered if it’s stolen or damaged by fire or attempted theft.

  • Hire car if yours is stolen

    If your car’s stolen or can’t be driven after attempted theft, we pay for car hire up to $100 a day. You’re covered for 21 days, until your car’s back on the road, or until your claim’s settled (whichever’s first).

  • Protection from uninsured drivers

    If your car’s damaged by an uninsured vehicle and it’s not your fault, we cover up to $5,000 of repairs.

  • Towing

    If your car’s damaged in an accident (or another event we cover) and can’t be driven, we’ll tow it somewhere safe or to the nearest repairer.

  • Emergency repairs

    We pay up to $800 for emergency repairs that make your car safe to drive after a covered event.

Why choose CGU?

165 years’ experience
Partner repairer network
Award-winning service

Ready to go?

Answer a few questions about your car and who drives it, and you could be covered in just a few minutes.

Looking for car insurance in SA, WA or the NT?

Our car insurance is now only available through our partners in South Australia, Western Australia and the Northern Territory. If you would prefer to get your insurance direct from an insurer, you can also visit NRMA Insurance to see their car insurance policies and get a quote.

If you already have a policy with us, we'll contact you if there are any changes to it in the future.

Go to NRMA Insurance

NRMA car insurance in SA, WA and NT is issued by Insurance Australia Limited, ABN 11 000 016 722 trading as NRMA Insurance. To see if this product is right for you, always consider the Product Disclosure Statement and Target Market Determination available from

Still have questions?

  • Is a learner driver covered on my car insurance?

    Yes, learners are covered.

    If you have a Nominated Driver policy, learners are only covered if the fully licensed driver accompanying them is over 25. See the PDS for more details.

  • How much does Third Party Fire & Theft cost?

    The cost depends on a number of things, including where you live, your car’s make and model, and whether you’ve had an accident before.

    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?

    If you have a standard policy, your car’s covered no matter who’s behind the wheel (with a few exceptions). If you have a Nominated Driver policy, drivers under 25 aren’t covered (except learners accompanied by a fully licensed driver over the age of 25). Also, if someone’s driving and they’re not listed on your Nominated Driver policy, you’ll pay a higher excess if you make a claim.

    Make sure you’ve read the PDS before you let someone else drive your car.

We’re here whenever you need us

Ready for anything, 24/7

Accidents can happen anytime, so we’re available day and night. If something goes wrong, you can call right away.

Make a claim

Let’s get started, you could be covered in just a few minutes

Get a quote