Third Party Fire and Theft Car Insurance
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.
$30 million liability cover
Looking for total peace of mind? Find it with our extensive liability cover.
Fixing damage done by an uninsured driver
If your car is damaged by an uninsured vehicle and it’s not your fault, we’ll cover the cost of repairing your car (up to $5,000).
Need a hire car?
If your car’s stolen – or damaged in a bungled attempt at theft – we’ll cover the cost of a hire car.
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 $800 (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 and demolishing costs
Paid in addition to the sum insured (Up to 10% of sum insured)
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.
We help you see it through
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
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.
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.
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.
Like your family, we’re here when you need us
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.
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