Third Party Property Damage insurance is the most basic level of car insurance, providing cover for your legal liability to pay compensation for loss or damage to other people's property, caused by a car accident which is partly or fully your fault. 1300 Insurance can refer you to Allianz for Third Party Property Damage car insurance.
Having Third Party Property Damage insurance can save you from having to pay for the damage out of your own pocket should you have an accident that is your fault, or partly your fault. And since damage to vehicles, buildings, equipment and possessions could end up costing thousands of dollars, it’s important to be covered.
Third Party Property Damage Car Insurance in brief*
*For the standard terms, conditions, limits and exclusions of cover, please refer to the Product Disclosure Statement.
If you have a car accident which is your fault, you could be held responsible for the damage you cause. While your Compulsory Third Party Insurance (CTP) covers you for any injuries to pedestrians or other drivers, it does not cover you for the cost of damage to other people’s property.
Depending on the nature of the accident, these costs could run to thousands or even hundreds of thousands of dollars. Third Party Property Damage insurance is an easy way to protect you against these liabilities if you have an accident.
Policy Benefits
Third Party Property Damage car insurance provides up to $20 million cover for your legal liability for loss or damage to other people’s property caused by a motor vehicle accident, as well cover for your legal costs (if agreed by our partner Allianz). You’ll also get legal liability cover while driving a substitute vehicle.*
It is easy to buy Third Party Property Damage car insurance through 1300 Insurance. You can get an online quote here.
For a summary of the cover under Third Party Property Damage motor insurance, take a look at the table below.
This is a summary only. For the standard terms conditions, limits and exclusions of cover, please refer to theMotor Insurance Product Disclosure Statement.
| Key Benefits | |
|---|---|
Cover for your legal liability — up to $20 million for any one event or series of related events
| |
Legal costs
| |
Legal liability cover when using a substitute vehicle
| |
Not sure what type of car insurance to choose? Check out the handy car insurance comparison chart for a summary of the covers on offer.
How to apply for cover
Applying for motor insurance is quick and simple. Either call on 1300 467 872 or get an online quote. If you need same day cover, your insurance will start from the moment your application is accepted.
Need to claim?
If you are involved in an accident you need an insurance company who will act fast – that’s why we’ve partnered with Allianz, which has a quick and efficient claims process. Click herefor information on how to claim.
Policy Exclusions
Third Party Property Damage car insurance transfers some of the risks car owners face from you to the insurer. However, it is important to understand that car insurance does not cover every circumstance or expense that you may incur, so please read the Product Disclosure Statement which sets out the standard terms, conditions, limits and exclusions of the cover.
Third Party Property Damage Car Insurance
1 Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.
2 Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers.
3 The online discount applies to new comprehensive Motor Insurance policies only purchased through 1300 Insurance. Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year’s premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.
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