RACV Third Party Fire and Theft Car Insurance
Reliable protection for unintentional damage caused to other people’s property, as well as if your vehicle gets stolen.
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When you’re caught in a bingle, the last thing you want to worry about is whether you’ve got the right cover. Rest at ease knowing that with RACV Third Party Fire and Theft Insurance, you’re not only covered for unintentional damage you cause to other people’s property, you’re also covered if your car is stolen or damaged by a fire.
Key inclusion:
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.
What does Third Party Fire and Theft Car Insurance cover?
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Need to make a claim?
If you’ve recently been involved in a road accident and need to make a claim, you can lodge one online or call 13 19 03.
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Review policy information
For full details on how you’re covered, read the Motor Insurance Product Disclosure Statement.
What’s the difference between Comprehensive Car Insurance and Third Party Insurance?
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.
What is agreed value and market value?
Market Value is an assessment of the value of the vehicle at the time of the incident based on its age and condition. Because it is not a fixed amount, you won’t know how much compensation you’ll receive if you need to make a claim.
Agreed value is the amount you will be reimbursed in the event of a claim where your car is in which your car is declared a total loss and is agreed on by you (the car owner) and the insurer. The agreed value amount is agreed upon by the car owner and their insurer. Because it is a fixed amount, it provides more certainty on what compensation you can expect if your car is considered a write off after an accident.
You can only choose between agreed and market value if you purchase a Comprehensive Car Insurance policy.
Does this policy cover anyone who has permission to drive the vehicle?
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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Find Your Local Fuel Prices
Want to know where to get the best price on petrol? Check out our Victoria-wide fuel prices page to secure the best petrol price near you.
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Car Safety Advice & Information
Vehicle safety technology is common in many modern cars. Find out more about how these technologies keep you and your family safe.
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What to do if your car is damaged by hail
Tips on what to do if you’re caught driving in a storm, how to prepare when a storm is forecast, and how to deal with a hail-damaged car.
† Comprehensive, Third Party, and Third Party Fire and Theft policies only.
* 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.