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Third Party Property Damage Car Insurance

Basic cover with not-so-basic protection

Got an older car? You probably don’t want to shell out top dollar for car insurance then, do you? Our most affordable level of car insurance is a great option if your budget’s tight or your car’s not worth much. It still gives you the peace of mind that you’re covered if you cause an accident (note: exclusions apply), or an uninsured driver damages your car.

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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 Property Damage 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 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 car insurance?

    Third party car insurance is the most basic level of cover you can take out for your car. It provides cover for any damage or loss that your car causes to another person’s vehicle or property (some exclusions, like driving under the influence, apply). At CGU, our legal liability cover is a massive $30 million.

    CGU Third Party car insurance comes with some added benefits that you may not find with other insurers. 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)
    • Option to nominate drivers – you can appoint up to two drivers (25 years of age or older) to your policy to reduce the premiums

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

  • How much does third party car insurance cost?

    The cost of your third party 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 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 property damage 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.

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.

  • 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.

  • You can lodge a claim 24/7

    Unfortunate events 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.

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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