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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What is Third Party Fire and Theft Car Insurance?

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.

Why choose RACV Car Insurance

Customer care

Our Australian-based consultants are always here to help you.

Multi policy discount

Get 10% off when you take out two or more eligible insurance policies.*

Exclusive savings

RACV Members save with discounted attraction tickets, gift cards, and special prices on local travel.

Pay annually

Save on the price of your premium when you pay annually.†

Drive with confidence knowing you’re covered with RACV Third Party Fire and Theft Insurance.

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What does Third Party Fire and Theft Car Insurance cover?

With an RACV Third Party Property Fire and Theft Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included:

  • Liability cover up to $20 million for unintentional damage to someone else’s vehicle or property.
  • Up to $10,000 in cover for loss or damage to your vehicle caused by fire, theft or attempted theft.
  • Hire car after a theft or attempted theft where your vehicle can’t be driven, for up to 21 days.
  • Up to $5000 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.
  • One tow from an incident to a safe place or repairer.
  • 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.
  • Running costs of a hire car, such as petrol or tolls.
  • Loss or damage to a hire car.
  • Liability from the use of a hire car.
  • A hire car arranged by you, unless RACV Insurance approved it beforehand.

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

Insurance claims and documents

Frequently asked questions

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 or Complete Care® Car Insurance policy.

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† 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. Insurance product(s) issued by Insurance Manufacturers of Australia 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.