Third Party Property Damage Insurance covers accidental 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.
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.
This is just a summary, see the PDS for a full list of inclusions and exclusions.
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:
Find out more about Comprehensive Car Insurance.
We put you in the driver's seat
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.
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.
Bingle has been awarded the 2022, 2021, 2020, 2018 and 2017 Canstar awards for Outstanding Value Car Insurance.
You can leave any time you want, at no cost. Because we know waiting until next year won't cut it!
Reviews from real customers
Note these reviews are based on people who indicated that they purchased a Third Party Car Insurance product with us.
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.
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
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 property damage covers liability for accidental damage to other people's vehicles and property arising from the use of your 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).
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!
To access your policy online you can register online.
If you don't know your policy number, our Policy Finder can help.
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.
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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