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With RACQ Third Party Liability Car 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 property in an incident, you only have to pay your policy excess; our Third Party Car Insurance will take care of the rest.

Our friendly team is here to help you get the most from your Third Party Car Insurance 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, 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. RACQ’s Third Party Liability Insurance provides cover for damage caused to another person’s car or property in the event of an incident. CTP Insurance covers you for compensation claims made by third parties when they are injured in an incident and you are at fault. For more information on our car cover view our Fire, Theft & Third Party Liability Car Insurance and Comprehensive Car Insurance  policies.

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RACQ members with Roadside Assistance get up to 17.5% discount*

Award winning cover

RACQ Car Insurance has been awarded People’s Choice for Excellent Claims Experience, being a Highly Trusted provider and Most Recommended in the 2020 Mozo Awards.

RACQ Comprehensive Car Insurance is a winner of 3 People's Choice Mozo Awards in 2020

Ways to save

For full details of discounts and savings for RACQ Third Party Liability Insurance cover, see our Insurance Discounts page.

Roadside Assistance Discount

RACQ Roadside Assistance subscribers get up to 17.5% discount off their Car Insurance (savings based on membership level).

Multi Policy Discount

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

Combined Vehicle Insurance Discount

You can combine a range of car insurance policies and get up to 5% off each of your eligible policies. Find out more.

 As an RACQ member, you can also save 4¢ per litre on fuel at selected Puma stations#.

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Compare Car Insurance

Compare our different types of car insurance policies to see what’s right for you.

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Compulsory Third Party (CTP)

Switch to RACQ as your CTP insurer and enjoy extra member benefits. You can switch at any time without paying any fees u...

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Roadside Assistance

RACQ is here to help 24-hours a day, 7 days a week. We’ll get you back on the road fast.

Learn more

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. 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.

CTP Insurance underwritten by RACQ Insurance Limited ABN 50 009 704 152. Visit for details. Conditions apply.

* Savings based on membership level.

# E10, Unleaded 91, Premium Diesel and LPG only. Conditions, limits and exclusions apply. See Puma Energy fuel discount  for more information.