With our Fire, Theft and Third Party Insurance, you’re covered for up to $20 million if you damage other people’s property in a car accident.

You’re also covered if your car is stolen, damaged by fire, or damaged by an uninsured vehicle.

It’s a great mid-range cover that gives you that little bit extra protection, but doesn’t cost as much as Comprehensive Car Insurance.

With Fire, Theft and Third Party Insurance you also become an RACQ member giving you access to a wide range of member benefits including savings at over 1200 partner locations, up to 40% off movie tickets, discounts on attractions and theme park tickets, and 24 hour travel assistance in Australia with Aussie Assist.

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Insurance discounts

Like to reduce the price of your insurance?

Check which insurance discounts you're eligible for.

What you get 

Cover for personal injury or damage to other people’s property We pay up to $20 million when your car causes personal injury or damage to other people’s property. 
Cover for fire and theft You’re covered if your car is damaged in a fire, if it’s stolen or if there is an attempted theft.
Emergency repairs If your car is damaged by fire or theft, we pay up to $500 for emergency repairs to make your car roadworthy until you can claim. For example, you can get a tail light or side mirror fixed to get your car back on the road, and then let us know at claim time.
Cover for towing and storage costs We pay up to $100 a day for towing and storage after certain incidents or theft, for up to 30 days.
Uninsured third party insurance We pay up to $5000 for loss or damage to your car in an accident where the driver at fault is uninsured.
Lifetime repair guarantee We guarantee the quality of authorised repairs completed by RACQ Insurance Selected Repairers for as long as you own the car.

The above features are a summary only and limits apply. Please refer to our Product Disclosure Statements for full details, exclusions, and terms and conditions.

Save on your car insurance

Put the following discounts to use and reduce the cost of your insurance. 
Roadside Assistance loyalty discount  Already an RACQ member with Roadside Assistance? Get up to 17.5% discount on your car insurance depending on your level of membership. 
Multi-policy discount If you have three or more insurance policies with RACQ, get up to 5% off each of your eligible policies.
Combined discount You can combine a range of car insurance policies – and get up to 5% off each of your eligible policies.
No claim discount If you upgrade to RACQ Comprehensive Car Insurance, get rewarded for the years you’ve had fire, theft and third party cover with us without making a claim.
Car alarm discount Install an after-market alarm or engine immobiliser and save up to 5% on your policy.

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Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. Please read the PDS before making a purchase decision on this product. Any general advice relating to this product at racq.com is provided by RACQ.