Choose RACQ Fire, Theft and Third Party Liability Insurance

When you take out fire, theft and third party liability car insurance with RACQ, you’ll have the essentials covered.

  • You'll be insured for events like your car catching fire, being stolen, or someone attempting to steal your vehicle
  • You're covered for any damage to someone's property in an accident
  • Enjoy a lifetime guarantee on repairs when you use an RACQ Selected Repairer

Get your quote

What does my RACQ Fire, Theft and Third Party Liability Car Insurance cover?

When you’re considering which car insurance policy is right for you, it’s a good idea to read through all the details in our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations.

  • umbrella
    Loss or damage to your vehicle which is caused by your vehicle catching on fire, being stolen, or someone attempting to steal your vehicle
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    Up to $20 million when your car causes damage to other people’s property
  • car-with-spark-circle-symbol
    Up to $5,000 for loss or damage to your car in an incident where the third party driver at fault is uninsured
  • wrench-and-screw-driver-tool
    Choice of repairer and lifetime repair guarantee on work completed by an RACQ Insurance selected repairer
  • Blue tick
    Towing and storage costs
    We pay the costs of towing and storage of your vehicle for up to 30 days after a fire or theft (up to $100 a day).
  • Blue tick
    Emergency repairs
    We pay up to $500 for emergency repairs that you have arranged to make your vehicle safe to operate and fit for its intended purpose after loss or damage to your vehicle caused by fire, theft or attempted theft.

Why choose RACQ Insurance?

  • wrench-and-screw-driver-tool
    We provide a lifetime guarantee on repairs when you use an RACQ selected repairer.
  • callcentre-person
    Our Queensland-based team are here when you need us – click, call or visit us in store.
  • person-next-to-racq-logo
    You become an RACQ member when you take out RACQ Fire, Theft and Third Party Insurance.
  • hands-with-heart
    As a mutual organisation, we serve our members and their communities, not shareholders.

Save with RACQ Fire, Theft and Third Party Liability Car Insurance

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    Multi policy discount
    Save up to 5% on each of your eligible policies when you take out three or more insurance policies with RACQ.
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    Combined discount
    Get up to 5% off each of your eligible car insurance policies when you combine your vehicle coverages on the one policy.

Award-winning insurance

RACQ are the proud winner of the 2023 Mozo People’s Choice Award for Outstanding Customer Satisfaction and the 2023 Mozo People's Choice Award for Most Recommended for Car Insurance in Queensland. 

Have fun with RACQ member perks~~

Get $25 off windscreen repairs
Book with an RACQ Auto Glass workshop and save.
Free up your transport budget
Take 4 cents per litre off when you fill up at participating Caltex service stations.#
Drive down prices with RACQ member discounts
Take 5% off the price of parts and accessories at your local Repco store.
RACQ Car Buying Service
Take the hassle out of finding a new vehicle. Our car buying service is free for RACQ members.~~

Fire, theft and third party liability car insurance FAQs

Things to note

Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the PDS and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

#Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit for details.

Based on RACQ data as at 4 April 2024, over 735,000 Queenslanders held RACQ motor insurance policies.