Young couple linking arms and smiling outside, in front of their silver car.

Third Party Fire and Theft Insurance

Reliable protection for unintentional damage caused to other people’s property, as well as if your vehicle gets stolen

Thank you for contacting us

Your reference number is

We'll contact you within 72 hours and may ask for this reference number.

What’s Third Party Fire and Theft Car Insurance?

Get great value cover with RACV Third Party Fire and Theft Insurance. You’ll be covered for unintentional damage you cause to other people’s property. And you can rest at ease knowing you're also covered for up to $10,000 if your car is stolen or damaged by a fire.

Key benefit

Hire car for up to 21 days if your vehicle is stolen or can’t be driven after a break-in attempt. Check the Product Disclosure Statement for full conditions.

More than 1 million Victorians choose RACV Motor Insurance

Local care

Speak to Victoria-based consultants when you need help.

Pay your way

Pay the way that suits you - annually or monthly. You can save on your premium when you pay annually.†

Everyday savings

Save on exclusive offers and discounts with us, and our retail, entertainment, and travel partners.

Stay with us and save

Save on your policy with discounts the longer you’re with us.# Plus, take out two or more eligible insurance policies and save up to 10% on each.*

What does Third Party Fire and Theft Car Insurance cover?

Liability cover up to $20 million

For unintentional damage to someone else’s vehicle or property.

Up to $5,000 in limited cover

For damage to your vehicle if you’re not at fault in the collision, the other driver is uninsured and you can provide their details.

Up to $10,000 in cover for loss or damage

To your vehicle caused by fire, theft or attempted theft.

One tow

From an incident to a safe place or repairer.

Hire car after a theft or attempted theft

Where your vehicle can’t be driven, for up to 21 days.

Any licenced driver (including learners)

With permission to drive your vehicle will be covered. Additional excess may apply to inexperienced drivers or drivers under 25.

This is only a summary of the inclusions for RACV Third Party Fire and Theft Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Cover for repairs to your vehicle where you are at fault in the collision.

Liability from the use of a hire car.

Running costs of a hire car, such as petrol or tolls.

A hire car arranged by you, unless RACV Insurance approved it beforehand.

Loss or damage to a hire car.

For more information on General Exclusions and items not included in your cover, refer to the Product Disclosure Statement.

Compare third party policies

Third Party Fire and Theft

Third Party Property Damage

This is only a summary of some inclusions for RACV Car Insurance policies. Refer to the relevant Product Disclosure Statement for specific terms, conditions, limitations and exclusions. If you choose to add optional extras to your cover, you'll need to pay more on your premium.

See other car insurance options

Complete Care®

All the inclusions of RACV Comprehensive Insurance, plus vehicle pick up and return, taxi fares and more.


Cover for collision damage to your car, plus unintentional collision damage to other people’s property and vehicles - no matter who’s at fault.

Make a claim or manage your policy

Make or manage a claim

Lodge and manage claims online or by calling the claims team on 13 19 03.

Manage your policy

Log in to your online account to view policy documents, or update your personal details and payment methods. For other changes, call 13 72 28.

Frequently asked questions

Agreed value
This is how much RACV Insurance agrees to insure your vehicle for. You can choose from within a value range, and it remains fixed for the term of the policy.

At renewal, RACV Insurance considers the changes in your vehicles agreed value using local market values. Check your renewal notice for any changes.

Market value
This is an assessment of your vehicle’s value at the time of an incident you’re making a claim for. It considers local market prices and the age and condition of your vehicle.

For more information on what’s included in your agreed or market value, check the Product Disclosure Statement.

You can only choose between agreed value and market value if you purchase a Comprehensive Car Insurance policy.

Comprehensive Car Insurance covers collision damage to your car, as well as unintentional collision damage to other people’s property (including vehicles).

Third Party Insurance only covers unintentional collision damage to other people’s property (including vehicles). The cost to repair damage to your own car following an incident or accident would be an out of pocket expense.

This is only a summary of the differences between RACV Car Insurance policies. Refer to the relevant Product Disclosure Statement for specific terms, conditions, limitations and exclusions. 

Yes, as long as they have a valid driver’s license. Additional excesses may apply for drivers under 25 and inexperienced drivers.

We can also help you with...

Tips and advice for your car

† Comprehensive, Third Party and Third Party Fire and Theft policies only. 

# RACV Years of Membership: at 5 years Bronze cardholders receive a 5% discount, at 10 years Silver cardholders receive a 10% discount, at 25 years Gold cardholders receive a 15% discount and at 51 years Gold 50 cardholders receive a 20% discount.

* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.

R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply.