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

Excellent service

Trusted Customer - Rated 5 out of 5

We were very pleased with the service received, made us feel that real insurance really care about their customers and the great service doesn't stop as soon as the policy is bought and paid for. we will be buying...

Real insurance have great customer service . very...

Trusted Customer - Rated 5 out of 5

It’s great car insurance company . i have an amazing experience with this company. really helpful staff . i would like to recommend this insurance company to all my family and friends. great service .. lucky i am...

All round great service

Robyn Hunter - Rated 5 out of 5

Consultant very helpful, supplied all the information i needed in plain english and offered alternatives to help me decide on the type of product i should choose.

Great and honest company

Nova - Rated 5 out of 5

The customer service representative was very clear when he told me everything about my policy he spoke in very polite, clear and honest way good customer service attuied

Customer review

Dolores Calefati - Rated 5 out of 5

They have always answered my questions

Customer review

Troy Pearl - Rated 5 out of 5

Great service, great pricing.

Customer review

Trusted Customer - Rated 4 out of 5

I'm not impressed that i was not sent/emailed a receipt for the payment.

Gave me an honest quate, price didn't change at...

Yali Xiao - Rated 5 out of 5


Customer review

Trusted Customer - Rated 4 out of 5

Competitive pricing.

Very helpfull

Steven Halta - Rated 5 out of 5

They were very polite and helpful

Customer review

Samuel Marsh - Rated 5 out of 5

Less annoying by far than any customer service person from youi.

Excellent customer service

Laura Smith - Rated 5 out of 5

I obtained a quote from the website but had a specific question and had to ring them. the staff member was friendly and helpful so i was very happy with the service

Great customer service

Trusted Customer - Rated 5 out of 5

I have been a customer of many years, i will not be changing any time soon.

Customer review

Renee Clugston - Rated 4 out of 5

Really easy to talked to. and hoped i have a good birthday tomorrow

Easy and transparent process

Sharron Wilkinson - Rated 4 out of 5

Easy. i entered my car registration number, and all the relevant details came up. modelling different excesses and their effect on premiums was quick and easy, it was easy to compare the comprehensive and pay as...

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Customers rate us

Rated 4.4/5 from 387 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.