Choose RACQ Third Party Liability Car Insurance

Get the basics right with RACQ Third Party Car Insurance and be covered for unintentional damage to someone else’s car.

  • Covers you for the cost of damage to other people's property if you cause an accident
  • Get up to $5,000 for loss or damage to your car caused by an at-fault uninsured third-party
  • Enjoy member benefits tailored to Queenslanders

Get your quote

What does my RACQ Third Party Liability Car Insurance cover?

For full details of what’s included in RACQ Third Party Liability Car Insurance, see our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations

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    Up to $20 million when your car causes damage to other people’s property
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    Damage to someone else’s property caused by your vehicle, or by towing a trailer or caravan with your vehicle
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    Up to $5,000 for loss or damage to your car in an incident where the third party driver at fault is uninsured

Why choose RACQ?

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    Our Queensland-based team are here when you need us – click, call or visit us in store. 
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    You become an RACQ member when you take out RACQ Third Party Liability Car Insurance. 
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    We’re a mutual organisation. We serve our members and their communities, not shareholders. 

Save with RACQ Third Party Liability Car Insurance

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    Multi policy discount

    If you have three or more eligible RACQ insurance policies, get up to 5% off each policy.

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    Combined discount

    Combine a range of car insurance policies and get up to 5% off each of your eligible policies.

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. 

Your RACQ membership is packed with perks~~

Drive down prices with RACQ member discounts
Take 5% off the price of parts and accessories at your local Repco store.
Free up your transport budget
Take 4 cents per litre off when you fill up at participating Caltex service stations.#
Make your vehicle shimmer and shine
Clean up with discounted car care services at Star Car Wash.
RACQ Car Buying Service
Take the hassle out of finding a new vehicle. Our car buying service is free for RACQ members.~~

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.