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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

Customer review

Sai Reddy Bandi - Rated 5 out of 5

Yes recommend

Very professional,courteous and efficient!

Trusted Customer - Rated 5 out of 5

Very good customer service, very professional

Customer review

Peter King - Rated 4 out of 5

The consultant was efficient and friendly. my inquiry was handled well and promptly.

Easy and friendly

Andrew Milivojcevic - Rated 5 out of 5

Good, easy to claim, easy to buy policy

Customer review

Trusted Customer - Rated 5 out of 5

Friendly, prompted, helpful, treating castumer with respect, listening and not pushy

Customer review

Christopher Cahill - Rated 5 out of 5

Great experience, easy sign up process and great prices.

Good price and easy process

Mais Fatayer - Rated 5 out of 5

Thank you ,

Customer review

Gary Shaw - Rated 5 out of 5

Fabulous to deal with and had a good sense of humour..

Customer review

Nicolet Badenhorst - Rated 5 out of 5

Excellent service, good deal. much cheaperthan the other quote i got.

Quick and easy. the savings on the premiums is...

Lee-Ann - Rated 5 out of 5

The website made it so easy. from quote to purchase was simple and very fast.

Friendly, low-pressure, and several options to...

Trusted Customer - Rated 5 out of 5

Friendly team took the time to review a few different options with me to ensure i got the best fit.

Customer review

Saman Rajamuni - Rated 5 out of 5

Easy to get online quotation, i was buy my car insurance

Super quick and easy insurance!

Trusted Customer - Rated 5 out of 5

Ease when getting a quote online, then no trouble purchasing the quote when complete. no trouble at all.

Excellent service

Trusted Customer - Rated 5 out of 5

Very helpful an polite...

Customer review

Linda Pearsall - Rated 5 out of 5

Website was easy to navigate and pricing was competative.

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Customers rate us

Rated 4.4/5 from 523 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.