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?

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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

Gregorio Baldedara - Rated 4 out of 5

The online service is straight forward. i was able to have a quote and have my insurance in a few straight forward questions. the best thing is when i print out the certificate of insurance , they provide the...

Cheap & competitive

Kaitlyn Summer - Rated 5 out of 5

Online quote

Thank you for the human touch!

David Alcorn - Rated 5 out of 5

My father had funeral insurance and when he passed away ,real insurance made this an easier time for me as the process was very fast and courteous.i was shown great service and surprised at how professional this...

100pc everytime

Richard Twyford - Rated 5 out of 5

Understood what i wanted to do and did it made so easy for me


Trusted Customer - Rated 5 out of 5


Great experience

Alexander White - Rated 5 out of 5

Very helpful. the operator went through everything to make sure it was all covered correctly and to my satisfaction.

Good service

Trusted Customer - Rated 5 out of 5

Very pleasant lady who helped organise the policy

Customer review

Trusted Customer - Rated 4 out of 5

I always find real helpful. have turned to them for insurance for many years.

Too many steps

Carlos Milanesi - Rated 5 out of 5

The fact that i had to have a call back because agent did not have the access to preform the discounting that i needed.

Saving more than 50%!.. very happy!

Michelle Trudgett - Rated 5 out of 5

Was by far the cheapest comprehensive car insurance for my car. because of the savings of around 60%, i thought i should probably read the pds. surprise... apart from the “normal “, the pds seems to be more about...

Customer review

Paul Miller - Rated 4 out of 5

Sam at the call centre was one of the best people i have had to deal with on the other end of the phone. funny, approachable and professional all at the same time. you need more sam's !!


Trusted Customer - Rated 5 out of 5

Great service and well priced

Customer review

Ian Greenland - Rated 5 out of 5

I wasn't able to complete on line.i called them and they helped me complete and gave me a multi policy discount.will continue to insure with them in the future.

Customer review

Trusted Customer - Rated 4 out of 5

Very nice cx service officers over the phone. online application user friendly.

Customer review

Trusted Customer - Rated 5 out of 5

Quick and easy

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Customers rate us

Rated 4.4/5 from 292 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.