This information is for customers who buy a new policy. Our policies have changed over the years, so your cover may differ based on when you first purchased it. Visit our policy page for more information.
What does Allianz Third Party Car Insurance cover?
Our Third Party Property Damage Insurance aims to keep things simple and affordable. It provides cover if you get into an accident and your car damages someone else’s car or property.
Below is a snapshot of the product. For the full list of inclusions and exclusions, read the Product Disclosure Statement (PDS).
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What's covered
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What's not covered
What's covered
What's not covered
Want to cover your car as well?
Our Comprehensive Car Insurance covers your car, plus damage you cause to other people's cars or property. We also have a Comprehensive Essentials option. It could lower your premium while still covering accidents, theft and weather damage.
Already an Allianz customer?
If you’re an existing Allianz Car Insurance customer, your cover might be different. To check what’s included, head to our policy documents page. It breaks policies down by date, so it’s easy to find the one that applies to you.
Want Roadside Assistance?
Allianz Roadside Assistance is available 24/7 across Australia. If your vehicle breaks down, we'll help get you moving again.3
Why Choose Allianz Car Insurance?
Insuring Australians for 110+ years
Award-winning insurer
24/7 online claims
Ready to get started?
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Difference between CTP vs Third Party Property Damage
Not sure what the difference is between CTP and Third Party Property Insurance? Allianz guides you through these easily confused insurance types.
Frequently asked questions
Insuring your car
Yes. You’ll need to pay a Basic Excess if you make a claim on your Third Party Property Damage Insurance policy.
You might also need to pay an Under 25 excess if the person driving is under this age.
An excess is an amount you need to pay when you make a claim. All insurers typically charge an excess.
You can get a quick quote by answering a few simple questions about your car, how you use it and your driving history. Once you enter your details, you’ll see a price for Third Party and Comprehensive cover.
Each insurance company calculates the cost of car insurance differently. The cost of our Third Party Property Damage Car Insurance is determined by a range of factors, including:
- the age and driving experience of the person who drives the car the most
- the year of your car
- the location your car is parked
To find out how much your Third Party Property Damage Car Insurance will cost, get your quote.
No. Third Party Property Damage Car Insurance is optional. The only type of cover that’s mandatory in Australia is Compulsory Third Party (CTP) insurance. This is sometimes included in your registration. In some states, such as NSW, QLD and SA, you need to purchase CTP insurance separately.
The main differences between CTP, Third Party Property Damage Car Insurance and Comprehensive Car Insurance are:
- CTP covers injuries or deaths caused to other people by your vehicle in a car accident.
- Third Party Property Damage Car Insurance covers damage you cause to other people’s cars or property.
- Comprehensive Car Insurance covers your car, plus damage to other people’s cars or property.
Read more about the differences between CTP and Third Party Property Damage Car Insurance.
What’s covered, and what’s not
Yes. Third Party Car Insurance is designed to cover damage you cause to other people’s cars or property.
However, it doesn’t cover damage to your car. You’ll need Comprehensive Car Insurance or Comprehensive Essentials if you want cover for this as well.
No. Our Third Party Insurance doesn’t cover theft or fire. However, our Comprehensive Car Insurance covers you for theft and fire damage.
No. Third Party Car Insurance doesn’t cover damage to your own car from hail, storms or floods. Only Comprehensive Car Insurance and Comprehensive Essentials can cover this.
Yes. Allianz covers limited types of business use for Third Party Property Damage such as salespersons or carers. If you're unsure if your business use is acceptable, contact us for more information.
Allianz also offers Commercial Motor Vehicle Insurance specific for business use cars.
Third Party Car Insurance doesn’t cover damage to your caravan or trailer. You can take out caravan and trailer insurance to cover these.
We're here to help
Explore our Help page for questions about your policy, claims, payments, and more. If you need to reach us, we're ready to connect.
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*Conditions apply
- Provides up to $20 million cover for damage you cause to other people's cars or property, arising out of a single accident and its related events.
- Driver exclusions apply if the driver is unlicensed, is not following the conditions of their license, refuses a drug or alcohol test, is under the influence of drugs or exceeds the legally allowed alcohol limit. Refer to the Comprehensive Car Insurance or Third Party Property Damage Car Insurance PDS for full driver, usage and other policy exclusions as set out in the "What's not covered" section. An additional excess applies to drivers under 25.
- Roadside Assistance is provided by AWP Australia Pty Ltd ABN 52 097 227 177. Service area limits, entitlement limits, exclusions and terms and conditions apply. For full details, read the terms and conditions.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.
This information is for customers who buy a new policy. Our policies have changed over the years, so your cover may differ based on when you first purchased it. Visit our policy page for more information.