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Third Party Car Insurance

  • Up to $20 million legal liability cover
  • Fire and theft option available
  • Up to $3,000 cover for damage caused by an uninsured vehicle
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Car insurance: what’s the difference between third party car insurance and comprehensive car insurance?

Your vehicle may well be the second most valuable asset you own. So you want to make sure it and you, are covered. But why do you need two types of car insurance?

For some people, their vehicle is their pride and joy. For others, simply a way of getting from A to B. Whatever it is for you, you need the peace of mind of car insurance. So, what are your options, and why should you choose them?

Compulsory Third Party (CTP) Insurance

As the name suggests, CTP insurance is compulsory. You cannot register a vehicle in Australia without it. In all states except NSW, QLD and the ACT the state government provides this cover as part of your registration fee. In NSW however, you are required to organise this with an insurer prior to registering your vehicle and in Queensland you nominate which insurer you prefer when you pay for your registration with Queensland Transport.

What is covered?

Compulsory third party (CTP) Insurance, also known as a ‘Green Slip’ in NSW, insures you or any other driver of your vehicle against liability for death or injuries you may inflict on other road users as a result of a motor vehicle accident for which you or the driver of your vehicle are at fault. Coverage extends to passengers of all vehicles involved in the accident, pedestrians and cyclists.

What is not covered?

CTP Insurance is a type of third party personal injury insurance. It does not, therefore, cover injuries sustained by you or the driver of your vehicle and it does not cover any property damage you may cause through the use of your vehicle. For insurance against damage caused to third party property see Third Party Insurance below.

While your CTP insurance does not cover you for injuries you might sustain in an accident that was your fault, some CTP insurers including Allianz offer additional At Fault Driver Protection Insurance to their CTP customers at no extra charge. At Fault Driver Protection Insurance provides prescribed benefits to you or any other driver of your vehicle for certain severe injuries sustained in an accident that was your fault.

Third Party Insurance

CTP covers injuries caused to other people in an accident, but not damage caused to their property or vehicle. The costs of repairing damage could be substantial - especially if the vehicle or property is quite valuable.

Third Party Insurance provides some additional peace of mind, and comes in two options.

The first is Third Party Property Damage. This insurance provides cover or loss against someone else’s property.

For a little more protection, the second option of Third Party Property, Fire and Theft Insurance adds cover in the event of your vehicle being stolen or catching fire.

These two options are available after you complete our online Car Insurance Quote formCar Insurance Quote form.

Comprehensive Car Insurance

Comprehensive Insurance covers damage to your vehicle, loss of your vehicle or property, theft and damage to other people’s property such as their vehicle.

It also comes with additional benefits such as 21 days car hire if your vehicle is stolen, towing after an accident, a new replacement vehicle, trailer and caravan cover, emergency repairs, and much more.

Better safe than sorry

No-one expects to be in an accident, and it may well happen at the worst possible time, financially.

Your green slip is compulsory, so you’ll need that. Prices vary, so why not give us a call on 13 1000 now and find out just how competitive we can be?

If you really want peace of mind, you should take out Third Party or Comprehensive insurance to cover your vehicle.

You can get a comprehensive car insurance quote onlinecomprehensive car insurance quote online, right now.

Safe and happy driving!

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Product Disclosure Statement

Online discounts
Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year's premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.
Minimum premiums may apply
Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice.
Car Insurance discounts
The online discount does not apply to Third Party Fire & Theft policies and Third Party Property Damage policies. Safe Driver Discount applies to new Allianz Car Insurance policies only. Drivers must be aged 30 years plus. Eligibility conditions in relation to all drivers. Discount available for new Allianz Car Insurance policies only.
$25,000 Accidental Death Cover
At no extra cost, if you or your spouse has an accident that results in an injury which is the sole cause of death within 90 days of the injury, we will pay your estate $25,000.
Windscreen cover excess
Only applies where damage to windscreen is the only damage to the vehicle.

Terms, conditions, limits and exclusions apply. Please see the relevant PDS available on this website for details.