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’. Real Insurance does not offer ‘green slip’ Compulsory Third Party (CTP) insurance.

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

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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


Pamela Quilliam - Rated 5 out of 5

Very good and very helpful

Better price then other insurance companies. very...

Daniel Vandencorput - Rated 5 out of 5

Easy to use website. better agreed value and same price as other companies even with rating one.

Customer review

Anne Grobler - Rated 5 out of 5

Brilliant . agent was very good and very friendly.

Always a easy pleasure to do business with

Kevin Glover - Rated 5 out of 5

Excellent service on the phone and follow up service

Customer review

Tracy Sheen - Rated 5 out of 5

So easy

Customer review

John Doherty - Rated 5 out of 5

Very professional and answered all my questions and was able to update my insurance very quickly without any problems

A human and helpful

Trusted Customer - Rated 4 out of 5

Customer service was great. dealt with 3 different people, the initial set up of car insurance and then some extra enquiries after. didn’t go to plan what was requested, but the super nice lady was all over it and...

Quick and easy access and information

Trusted Customer - Rated 5 out of 5

Easy access to website and information required and if you do call for assistance you do not wait too long for a customer representative to answer call to assist.

Very easy to deal with real insurance

Brendan Parker - Rated 5 out of 5

Terrific...very easy to insure new car and cancel old policy

Customer review

Ana Shostak - Rated 5 out of 5

Brayden was most helpful and very professional, courteous and friendly, thanks for correcting my policy with minimal fuss.

Great customer service

Michael Head - Rated 5 out of 5

Staff were knowledgeable in the explanation of my 2 new policies and the price difference was a definite incentive.

Easy and great rates

Trusted Customer - Rated 5 out of 5

The ease of setting up insurance with you guys is fantastic. and my tailored insurance has saved me so much money


Margaret Daniels - Rated 5 out of 5

A policy that can bee widely adapted according to our requirements, with a very competitive price. efficient and courteous telephonist (emily). unlike many other providers, no big price hike after the first year.

Customer review

Timothy Ah Chong - Rated 5 out of 5

Friendly service

Customer review

Mohit Suneja - Rated 5 out of 5

Cheap price than others and covers everything

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Customers rate us

Rated 4.4/5 from 244 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.
  2. Applies in the event of a total loss, provided you are the first registered owner of vehicle.