Third Party Car Insurance - what's covered

What’s covered?

If you have an accident and it’s your fault, we’ll pay up to $20 million for damage to someone else’s car or property. There is no cover for your vehicle in an accident where you are at fault.

View full policy wording

The policy documents on this site are the current versions, for all customers. This information is intended as a guide only. There are exclusions and limits to the cover we provide.

What’s the cost?

Your premium is how much you pay for your cover. This is calculated based on things like age, gender, driving experience and the type of car you’re driving. Because of that, everyone’s premiums are a bit different.

Your excess is a one-off amount that you pay each time you make a claim. Let’s say your excess is $500 but a repair job for a dinged-door only costs $350 – that cost is up to you. Any repair work that will cost above $500 is covered by AMI.

Other great benefits

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Multisaver discount

Take out more than one type of insurance with us and you could get a multisaver discount.

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If you qualify for this bonus, it’s free and means you can make up to two claims within a 12 month period without affecting your no claims bonus.

Frequently asked questions

  • Can I change my policy from Third Party to Third Party Fire and Theft, or Comprehensive cover?

    Yes, you can upgrade or downgrade your cover at any time and your premium will change accordingly. We’ll post or email the revised policy documents to you once the changes have been made. If you’d like to change your cover, please email us, call us on 0800 100 200.

  • Can I get any optional extras with Third Party cover?

    No, optional extras are only available with Comprehensive and Third Party Fire and Theft cover.

  • What is freeBmax and how I can get it?

    freeBmax is a free benefit that allows you up to two claims in an insurance year – where we’ve covered the cost of those claims – without your No Claims Bonus being affected.

    It’s available to all customers with Comprehensive, Third Party Fire and Theft and Third Party cover, and costs nothing. All you have to do to earn it is stay claim-free (i.e. we are not required to cover the cost of a claim) for 12 months on our highest No Claims Bonus of 60%.

    freeBmax stays active for the term of your policy, and is cancelled only if you make three NCB-reducing claims in a single insurance year. A NCB-reducing claim is a claim where we’ve covered the costs to your car and/or the third parties car if one was involved.

Other car insurance options you may be interested in

Third Party, Fire and Theft

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