With RACQ Third Party Liability Insurance, you’re covered for up to $20 million if you cause a car accident. 

This means that, if you damage someone else’s vehicle or other property in the accident, you only have to pay the excess. We’ll take care of the rest. 

You also get limited cover when your car is damaged by an uninsured vehicle. Our friendly team is here to help you get the most from your policy, and to make sure you’re covered for the damage you may cause. 

With Third Party Liability 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, access to a car brokerage service at no cost, and 24 hour travel assistance in Australia with Aussie Assist.

Please note: Third Party Liability Insurance is different to Compulsory Third Party (CTP) Insurance.

Get a quote Read the PDS and SPDS

Insurance discounts

Like to reduce the price of your insurance?

Check which insurance discounts you're eligible for.

What you get 

This affordable level of cover gives you up to $20 million in protection in the event that you damage other people’s property. You’ll get:

Cover for damage to other people’s property  We pay up to $20 million when your car causes damage to other people’s property.
No claim discount If you upgrade to RACQ Comprehensive Car Insurance, get rewarded for the years you’ve had third party cover with us without making a claim.
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.

The above features are a summary only and limits apply. Please refer to our Product Disclosure Statement (PDS) and any relevant Supplementary PDS 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 insurance discount You can combine a range of car insurance policies – and get up to 5% off each of your eligible policies.

Get a quote Read the PDS and SPDS

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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 and any relevant SPDS before making a purchase decision on this product. Any general advice relating to this product at racq.com is provided by RACQ.