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.
What’s Third Party Fire and Theft Car Insurance?
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
What does Third Party Fire and Theft Car Insurance cover?
- Included
- Not included
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.
For more information on General Exclusions and items not included in your cover, refer to the Product Disclosure Statement.
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Complete Care®
All the inclusions of RACV Comprehensive Insurance, plus vehicle pick up and return, taxi fares and more.
Comprehensive
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 a claim
You can make a claim 24/7 in the app, online or by phone.
Find a policy document
You can view policy documents, or update your personal details and payment methods online.
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.
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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.
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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 racv.com.au. 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 racv.com.au. 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.