What does Third Party Car Insurance cover?

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.

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.

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.

This is just a summary, see the PDS for a full list of inclusions and exclusions.

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 2022, 2021, 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!

Want to know a little more about Bingle? Find out more.


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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1 Subject to meeting acceptance criteria (our underwriting guidelines).