What does Third Party Car Insurance cover?

Third Party Property Damage Insurance covers damage to other people's cars and property caused by the use of your car. But you're not covered for any damage to your own car, as you would be with Comprehensive Car Insurance. Bingle doesn't have a Third Party Fire and Theft car insurance product, so if you want cover for this, you'll need to take up Comprehensive Car Insurance.

This cover isn't the same as Compulsory Third Party (CTP) or Green Slip insurance. CTP covers your liability to pay compensation for injuries to other people. It's a mandatory insurance that can be purchased separately when registering your car. In some Australian states, CTP might be included in your vehicle registration costs. Learn more about Compulsory Third Party (CTP) Car Insurance.

Do I need Third Party Car Insurance?

While not mandatory, Third Party Car Insurance (also known as Third Party Property Damage Insurance) is important because it provides cover for accidental damage to someone else's car or property through the use of your car. Otherwise, you'd have to cover the costs yourself, which may be very expensive.

While it's typically cheaper and doesn't offer the high level of cover that Comprehensive Car Insurance provides, it still gives you some level of protection. For example, if you have Third Party Car Insurance and hit someone's car, you'll be covered for your legal liability up to $20 million.

What is covered by Third Party Car Insurance?

What's included:

  • Accidental damage to other people's cars & property if caused by the use of your car.
  • Legal liability for accidental damage
    To other people's cars and property caused by the use of your car, for up to $20 million.
  • Cover for other people driving your car
    An additional excess will apply to claims if the driver of your car is under 25 years old, and/or if the driver is an unlisted household member or unlisted regular driver of your car 1.
  • Liability for damage caused by caravans and trailers
    If they're being towed by your car and damage is directly related to you towing that extra set of wheels.
  • Ridesharing
    If you cause accidental damage to someone's car or property while using your car for ridesharing – eg, with Uber, Lyft, Shebah or a similar service – we'll cover the damage caused 1. Just list Rideshare as the use type when you set up your policy.

What's not included:

  • Damage to your own car
    But you can get cover for your own car with Comprehensive Car Insurance!
  • Injuries to you or other people
    Injuries sustained in a road incident are usually covered by mandatory Compulsory Third Party (CTP) Insurance.
  • Storm, hail, and flood, and more
    Third Party Car Insurance doesn't cover damage caused by fire, theft, flood, or other acts of nature, but our Comprehensive Car Insurance does.

Does Third Party Car Insurance cover hail damage?

Third Party Car Insurance only covers accidental damage caused by your car to third party vehicles or property, it does not cover damage to your car from elements like hail. If you want cover for your own car as well, consider our Comprehensive Car Insurance. This includes the liability cover you get with Third Party Car Insurance and also covers accidental loss or damage to your car caused by:

  • driving accidents; or
  • nature (e.g. storm, hail, or fire); or
  • something else (e.g. theft or malicious damage).

Find out more about Comprehensive Car Insurance.

Why choose Bingle car insurance?

We put you in the driver's seat

Here for you at claim time

Make a claim online 24/7, and simply log in to pay your excess, view up-to-date repair tracking or upload documents and photos.

Help at your fingertips

Our online tools allow you to make changes to your policy, so you can update your contact details and policy if you get a new car, and more.

Award winning

Bingle has been awarded the 2020, 2018 and 2017 Canstar awards for Outstanding Value Car Insurance.

No cancellation fees

You can leave any time you want, at no cost. Because we know waiting until next year won't cut it!

Our customers rate us!

Reviews from real customers


Note these reviews are based on people who indicated that they purchased a Third Party Car Insurance product with us.


What is Third Party Car Insurance?

Third Party Car Insurance covers accidental damage caused by the use of your car to someone else's property or vehicle. When you are at fault, the costs of repairing damage or replacing a third party's property or vehicle could be high, so our Third Party Car insurance can cover you for up to $20 million.

What does Third Party Car insurance cover?

Third Party Car Insurance covers accidental damage caused by the use of your car to someone else's property or vehicle. You are not covered for any damage to your own car or for injuries to other people. Our Third Party Car insurance provides cover for legal liability for up to $20 million.

For more information, check out the Third Party Car Insurance policy documents

Is CTP the same as Third Party insurance?

Third Party Car Insurance is different to CTP (Compulsory Third Party). CTP Insurance covers your liability to other people’s injuries involving your vehicle. Third Party Car Insurance provides covers for damage your car causes to other people's property or car, up to $20 million.

Because we're so busy offering great car insurance at a low price, Bingle doesn't offer CTP insurance – check out AAMI or Suncorp Insurance (who, like Bingle, are also part of The Suncorp Network).

How do I contact Bingle?

Bingle is an online-only insurer. We don't have costly call centres to pay for, which helps to keep our insurance premiums low. Our online Policy Self Service puts you in control of your policy, and you can update almost everything yourself, from changing drivers to updating your payment or contact details.

Take me to Policy Self Service

If you need some help, Bingle has answers to all your questions in our Help Centre (or in the Help widget on this page). For step-by-step guides on everything from cancelling your policy to paying your overdue instalments, it's all there!

Take me to the Help Centre

If you need to register a new email to access your policy, you can do that here.

If you don't know your policy number, our Policy Finder can help.

Are learner drivers insured?

Learner drivers (people on their Ls) will not need to get a separate car insurance. As long as there is a listed driver in the car, they are automatically covered under the listed driver's Bingle insurance policy.

The learner driver will then be treated as a listed driver, and an additional age excess will apply if they are under the age of 25 at the time of the incident. Once the learner driver is on their Ps you may want to list them as a driver on your policy. Otherwise an unlisted driver excess might apply.

Still got questions?

To find answers to your questions, read all FAQs, go to our Help Centre, or use the Help widget on this page!

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