• 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. 

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.

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.

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

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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.

Other RACV Car Insurance products

Policy documents

RACV Motor Insurance Product Disclosure Statement

RACV Motor Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 29 June 2019.

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RACV Motor Insurance Product Disclosure Statement and Policy Booklet and Supplementary Product Disclosure Statement for policies with a start date on or after 15 October 2017 and renewal policies with a start date on or after 27 November 2017 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 29 June 2019.

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RACV Motor Insurance Premium, Excess, Discounts and Benefits Guides

RACV Motor Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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RACV Motor Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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RACV Motor Insurance Aussie Assist Benefits Guides

RACV Comprehensive Insurance, RACV Third Party Fire and Theft Insurance, RACV Third Party Property Damage Insurance for new business policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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RACV Comprehensive Insurance, RACV Third Party Fire and Theft Insurance, RACV Third Party Property Damage Insurance for new business policies with a start date on or after 28 September 2008 or renewal policies with a start date on or after 10 November 2008 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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Complete Care® Motor Insurance for new business policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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Complete Care® Motor Insurance for new business policies and renewal policies with a start date on or after 7 December 2008 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

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* RACV Motor Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement.