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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 online2

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 throughcar 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 repairswhileanywhere 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 online2

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 value all round

Joseph Manche - Rated 5 out of 5

Helpful staff and fair prices for reduced driving

Customer review

Theo Talidis - Rated 5 out of 5

Nice person on phone was really happy with service

Customer review

Trusted Customer - Rated 5 out of 5

Spoke english clearly

Customer review

Kerrie Sacco - Rated 5 out of 5

Happy with the service

Customer review

Trusted Customer - Rated 4 out of 5

Yes prices were very good and quick service

So simple and easy online service. thank you

Nada Jonjic - Rated 5 out of 5

Very easy and quick online quote for car insurance. i had my insurance within minutes. no long phone call hassle or waiting. simply awesome.

Competent. courteous.

Trusted Customer - Rated 5 out of 5

The customer service staff member was absolutely lovely and completely competent while changing details over the phone which was quite a complex task as circumstances had changed a lot. she was patient, calm,...

Customer review

Chris Christodoulopoulos - Rated 5 out of 5

Excellent customer service and customer service officer knew the product and helped me decide easily.

Customer review

Trusted Customer - Rated 4 out of 5

Friendly reliable quality service!

Great service

Trusted Customer - Rated 5 out of 5

Great service

Excellent operator services

Nga Ly - Rated 5 out of 5

Services is excellent the operator are very nice and guide very clear even i just call after quick quote on line i will recommend your company to my family and friends

Customer review

Trusted Customer - Rated 5 out of 5

Easy to use online application, flexible coverage and a very good price.

Customer review

Trusted Customer - Rated 4 out of 5

Easy to move, was able to do everything online at a time that suited me

Great service.

Trusted Customer - Rated 4 out of 5

The woman i spoke to on the phone was very friendly and very helpful. i was able to get all the insurance sorted that i needed to.

Easy to buy a motor policy.

Trusted Customer - Rated 4 out of 5

I actually did not speak to any anyone. i was able to buy the policy online completely by myself so i appreciate the user-friendliness of the website.

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Customers rate us

Rated 4.4/5 from 194 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.