Third-party Car Insurance In Sydney

Third-party car insurance is a cost-effective way to cover financial and legal liability from a motor vehicle accident causing damage to other people’s vehicles or property. Third-party car insurance covers a variety of terms and conditions. Third-party-only car insurance or third-party property damage only covers damages to someone else’s car or property but not your own car damage. Others include Compulsory Third-Party (CTP) Car Insurance also known as Green Slip (in NSW), Third-Party Fire and Theft Car Insurance, and Comprehensive Car Insurance Policy.

Take note that the legal costs caused by uninsured drivers (i.e. without any of the mentioned insurance) can reach a $5,000 fine, including towing and storage costs.

What is covered by third-party car insurance?

Third-party car insurance is an excellent way to protect yourself from accidents. However, third-party property insurance, which isn’t obligatory, is not a synonym for compulsory third-party insurance (CTP insurance).

Third-party car insurance is a type of motor insurance that covers damage you cause to someone else’s property, vehicles, or injuries in a motor vehicle accident. It provides financial protection if you have a legal liability to cover to compensate for the damage caused to people’s property or someone else’s care. If you accidentally hit another car, this policy will pay for the other party’s repairs or the injury of the other driver but not yours.

Below are the full details if you want to compare car insurance types in Australia to determine which is right for you.

best third party car insurance australia

Differences Among Comprehensive Car Insurance, Compulsory Third Party (CTP), and Green Slip Insurance

Type	Covers Property Damage	Covers Injury to Others	Covers Your Car (Fire/Theft)	Covers Your Car (Accidents)
CTP Insurance	No	Yes	No	No
Third-Party Property Damage	Yes	No	No	No
Third-Party Fire and Theft	Yes	No	Yes	No
Comprehensive Insurance (Extra)	Yes	Yes	Yes	Yes

1. Compulsory Third Party (CTP) Insurance Policy

CTP insurance covers your liability to pay compensation for the cost of injuries or death caused by an accident (e.g., passengers, pedestrians). However, it does not cover people’s property or vehicle damage. CTP insurance is mandatory for all registered vehicles in Australia and is included in the vehicle registration process. Uninsured drivers can pay hefty fines in Australia without CTP insurance.

In some states (like NSW), CTP is known as Green Slip Insurance. Similar to CTP— Green Slip Insurance covers injuries to third parties caused by your vehicle. It is mandatory for vehicle registration in New South Wales (NSW). The cost varies depending on the driver’s age, vehicle type, and driving history.

If you are looking for more comprehensive third-party cover, look for a car insurance product or third-party car insurance provider that can shoulder the damages that occur in someone else’s vehicle or property.

2. Third-Party Property Damage Insurance

This third-party property damage policy insurance covers damage to other people’s cars or properties (e.g., vehicles, buildings, fences). However, it does not cover accidental damage to your own vehicle or the injury your car caused to uninsured drivers. If you accidentally hit another vehicle, this policy will pay for the repairs to the other car but not yours.

3. Third-Party Fire and Theft Insurance Policy

This insurance covers damage to third-party property, particularly other people’s cars. It also covers your vehicle if it’s stolen or damaged by fire. However, it does not also cover the accidental damage to your car or the injury your car caused to another person’s life.

4. Comprehensive Car Insurance Policy

This is one of the insurance premiums that covers damage to your car, even if you are at fault. Also covers third-party property damage, car accident damage, third-party fire, theft cover, and others. It is typically the most expensive insurance option but provides the most extensive protection, often with optional add-ons (e.g., roadside assistance).

It is recommended for drivers wanting full coverage and peace of mind, especially those with newer or high-value cars.

BelAir Smash Repairs and Insurance Repairs

While CTP and Green Slip insurance don’t cover vehicle damage, BelAir Smash Repairs works with comprehensive and third-party property damage insurers to repair your car efficiently. We also provide affordable rates for any repairs under car insurance excess coverage. As one of Sydney’s preferred insurance repairers, we ensure a hassle-free process so your vehicle gets back on the road while we assist in your insurance claim process.

How the Repair Process Works with Third-Party Insurance

Here are some of the steps to follow when you want to avail the benefits and privileges under your third-party car insurance:

Step 1: Report the accident to the insurer.

Step 2: Contact BelAir Smash Repairs for a comprehensive quote or assessment of the damage.

Step 3: BelAir Smash Repairs liaise with the insurer.

Step 4: Once approved, BelAir Smash Repairs begin repairs promptly under liability cover.

Why Choose BelAir Smash Repairs for Insurance-Related Repairs?

In Sydney, BelAir Smash Repairs is a trusted choice for insurance-related repairs. We work closely with car insurers to make the repair process of accidental damage smooth and stress-free. We assist insurance policy owners in processing their compensation claims. We also provide a replacement car while the covered third-party car under the insurance policy is being repaired. Whether it’s minor damage or major repairs, our expert team ensures your car gets back on the road quickly and safely.

Frequently Asked Questions (FAQ)

Third-party car insurance covers damage you cause to other people’s property or vehicle but does not cover damage to your car. It is a budget-friendly option for drivers who want liability protection without the higher costs of comprehensive insurance.

Yes, BelAir Smash Repairs is experienced in handling third-party insurance claims. We work directly with insurers to provide repair assessments and quotes, ensuring a smooth process from start to finish.

If the at-fault driver is uninsured, you may need to cover the repair costs unless you have uninsured motorist protection as part of your policy. Our team can still assist you with a repair quote and help explore your options.

In most cases, third-party insurers will handle the payment once the claim is approved. BelAir Smash Repairs works closely with insurers, so you typically won’t need to pay upfront unless specified by your insurance provider.

The repair timeline depends on the severity of the damage and the insurer’s approval time. Once we receive authorisation from the insurer, BelAir Smash Repairs ensures prompt, high-quality repairs to get you back on the road as quickly as possible.