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Third Party Property, Fire & Theft

Third Party Property, Fire & Theft covers you against car theft, attempted theft and fire, plus the damages your car may cause in an accident.

The happy medium between Comprehensive Insurance and a basic Third Party Property Insurance, our Third Party Property, Fire and Theft offers great benefits with your budget in mind.

Get cover for theft of your car, child seats, and select personal property, plus towing, costs towards car hire after theft and much more.

Plus, you’ll rest easy knowing that if there is an accident and you’re at fault, you’ll have up to $20 million in legal liability towards any damage caused to other people’s cars or property.

Save up to 10% when you buy online1

Get a Quote in Minutes

Real Insurance, real easy

We are pleased to offer our customers flexible payment options for our Third Party Property, Fire and Theft Car Insurance cover.

What’s covered

  • Accidental loss or damage through car theft or attempted theft
  • Damage caused by fire or any malicious damage to your car
  • Other people’s cars or property damaged by you in an accident
  • Damage caused to your car by an uninsured driver – up to $3,000
  • Select personal valuables damaged or stolen from your car – up to $500
  • Child safety seats and prams damaged or stolen – up to $500
  • Emergency repairs, reasonable towing costs & up to 14 days hire car after theft
  • Accommodation costs if the claim happens 200km+ from your home
  • Your caravan or trailer if damaged in an accident while being towed
  • Your car during transport for repairs while anywhere within Australia
  • Lock and key replacement to keep your car secure if your keys are stolen
  • Guaranteed repairs from our specially selected repairers

Plus get even more protection with our optional extras:

This is a summary of our Third Party Property, Fire and Theft cover. For full details including limits and exclusions of these benefits, please read our Product Disclosure Statement.

Things to know

  • By law, you must have separate Compulsory Third Party (CTP) insurance. This type of insurance is often called a ‘green slip’.
  • Real Third Party Property, Fire and Theft Insurance is not a ‘green slip’. Find out more about Real Insurance Green Slip CTP insurance here.

If you’d like insurance that also covers damage to your car, protection against collision, damage caused by natural weather events, or New for Old Replacement2, consider our:

Why Choose Real Insurance?

  • Save up to 10% when you buy online1
  • Flexible payment options
  • 24/7 claims lodgement and emergency assistance
  • We don’t have assessment centres, we use everyday repairers
  • Real Insurance is a multi-award winning insurance company

Save up to 10% when you buy online1

Get a Quote in Minutes

Need Help Deciding?

Car Insurance Q&A

Find fast answers to commonly asked Car Insurance questions here.

Compare Car Insurance Products

Not sure what type of cover is right for you? Compare our insurance policy features at a glance here or find out more about our Car Insurance products.

See how easy it is to apply for Third Party Property, Fire and Theft Insurance. Call us on 13 19 48 or Request a Quote.


Read what our customers are saying

Good price and easy to deal with

Trusted Customer - Rated 4 out of 5

Easy to deal with and simple

Customer review

Anthony Fuhrmann - Rated 5 out of 5

We took policy out over the phone very prompt service,we shopped around and your price was the best

Valuable

Saeid Khorrami Pour - Rated 5 out of 5

I’d recommend to anyone because of the prices and services.

Customer review

Trusted Customer - Rated 5 out of 5

So happy with quote. great service no problems

Repeat insurer!

Trusted Customer - Rated 5 out of 5

I now have both my vehicles comprehensively insured with real insurance. it is not the 'cheapest' cover available but i'm content with the terms & conditions of the policy. i would (& do) recommend real insurance...

Customer review

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The communications were outstanding and easy to understand.

Customer review

Trusted Customer - Rated 5 out of 5

Quick to answer phone, and helped with whatever i needed with a positive attitude

Customer review

Trusted Customer - Rated 5 out of 5

Good price and good customer service

Fast friendly service

Georgia Planken - Rated 5 out of 5

Great fast helpful service

Customer review

Wayne Mitchell - Rated 4 out of 5

Waiting time on phone not too long, courteous staff, knowledgeable with transaction carried out reasonably quickly.

Best to deal with!

Trusted Customer - Rated 5 out of 5

The transaction was quick and within minutes i had my policy number and insurance documents.

Affordable car insurance

Theodore Agathos - Rated 5 out of 5

I’ve been insuring my cars with real insurance for 12 years now. i had to make a claim about 5 years ago and the matter was dealt with quickly and professionally. real insurance offers the best price and options to...

Always helpful

Trusted Customer - Rated 4 out of 5

Real insurance has always been helpful when setting up insurance be it for cars, houses, etc... they are always happy to respond to queries and offer competitive pricing.

Good value

Xiaohua Yang - Rated 5 out of 5

Yes i recommend this brand

Best value

Trusted Customer - Rated 5 out of 5

A realistic insurance service without the stupid questions of other insurers. best value for money.

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Customers rate us

Rated 4.3/5 from 216 Reviews


  1. Up to 10% discount consists of 5% saving for online applicants, savings in first year only. Up to 5% off to exclude drivers under 25. Minimum premiums may reduce savings discount. Not applicable to Compulsory Third Party (CTP) Insurance.
  2. Applies in the event of a total loss, provided you are the first registered owner of vehicle.