Norwest NSW
Third Party Fire & Theft
Third party, fire and theft sits between basic third party cover and full comprehensive. It covers what you might owe other people, plus your own vehicle if it's stolen or burnt, but not accidental damage to your own vehicle.
It suits a lot of work vehicles, older utes and second vehicles where full comprehensive isn't worth the cost.
What it can cover
- Damage you cause to other people's vehicles and property
- Your vehicle if it's stolen or damaged in an attempted theft
- Your vehicle if it's damaged by fire
- Legal liability, up to the policy limit
What it doesn't cover
- Accident damage to your own vehicle
- Storm, hail or flood damage, in many policies
- Injury to people, which is covered by CTP
Case study
An example
A tradie's older ute is stolen from outside his home and later found burnt out. With third party, fire and theft cover, he can claim for the vehicle. If he'd reversed it into a pole instead, his own repair would be his cost.
Illustrative example only. Cover depends on your policy wording.
Contact us
To quote, tell us:
We're based at Suite 2.02, 2-8 Brookhollow Ave, Norwest NSW. Call 02 8660 2305 or email admin@idealbrokers.com.au.
Ideal Insurance Brokers, Norwest NSW 2153. Ideal Brokers Pty Ltd (CAR No. 001262504 | ABN 65 623 205 952) is a Corporate Authorised Representative of Metrix Connect Pty Ltd ACN 635 286 136 as the trustee for the Metrix Connect Hybrid Trust ABN 55 742 327 931 | AFSL No. 525491. This page contains general information only and does not take into account your objectives, financial situation or needs. Read the Product Disclosure Statement before buying.
Third party fire and theft FAQs
Usually, yes, because it covers less.
Often not. Compare the wording carefully.
It depends on its value. If you couldn't afford to replace it, comprehensive may be better.