Budget Direct Third Party Property Only
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Budget Direct Third Party Property Only
Third party car insurance often refers to third party property damage (TPPD) car insurance. It covers damage you cause to someone else's vehicle or property. So, if you crash into someone's new car, you don't need to pay the repair costs – your insurance will. This kind of policy won't cover your car but could stop you from facing big bills from other people.
Third party property car insurance covers you for damage to other people's property – for example someone else's car, home or shop. It covers only this and nothing else, up to a certain limit (commonly $20 million). This type of policy adds an additional layer of protection over the bare minimum compulsory third party insurance, and prevents you from having to be out of pocket for potentially enormous bills if you hit something expensive.
This is a step up from third party property insurance. In addition to covering you for costs if you damage someone else's property, it can pay to repair or replace your car if it's damaged by fire or stolen. However, it still doesn't cover you for damage done to your own car – only comprehensive car insurance covers you for this.
The easiest way to find cheap third party car insurance is to compare policies. Out of 9 brands, we found a difference of $356.05 between the cheapest and most expensive third party car insurance policies.
Keep in mind that these costs are based on a limited profile (that we've outlined below). As with all car insurance, the cost of a third party policy will vary based on your age, location, gender, and other variables such as where you park your car.
|Australia Post||$491.18||Get quote|
|Budget Direct||$521.33||Get quote|
|Qantas||$588. 62||Get quote|
Quotes are accurate as of July 2023
Most third party car insurance policies are very similar so price is an important factor. If you think you're paying too much, shop around to find a better deal.
Your insurer will offer you a lower premium in return.
If you can nominate certain people to drive your car, especially if they are all over the age of 25, this will reduce the cost of your cover.
Vehicles with security systems and those that are kept garaged overnight are less expensive to insure than ones parked on the street or without security systems.
If you have a separate policy (for example, home insurance) with a provider, it may offer you a discount on your car insurance policy.
Use the map below to compare car insurance based on your location.
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