Third Party Property Damage Car Insurance

Cover for accidental loss or damage to other people’s property, which is partly or fully your fault.

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Third Party Property Damage Car Insurance

Third Party Property Damage Car Insurance provides you with cover for any damage which you cause to other people’s vehicles and property.

For full details of the conditions, limits and exclusions on all our cover options please refer to the Product Disclosure Statement.

Legal Liability
We will cover up to $20,000,000 to cover your legal liability for loss of or damage to someone else's property which is caused by a car accident which is partly or fully your fault, for any one event or series of events.
Legal costs
We will pay for all legal costs and expenses in defending any court proceedings arising from a claim for liability covered by the policy.
Uninsured motorist extension
We will cover your vehicle for loss or damage arising from an accident caused by the driver of an uninsured vehicle up to a maximum of $5,000 for any one incident.

Policy documents

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Product Disclosure Statement (PDS). A Premium, Excess, Discount and Options Guide (PED) is also available for reference.

Frequently Asked Questions

Comprehensive Car Insurance provides cover for fire, theft, accidents and malicious damage to your car. It also covers your legal liability for loss or damage to someone else's property caused by a car accident which is partly or fully your fault.

Third Party Property Damage (Legal Liability) Car Insurance covers your legal liability for loss or damage to someone else's property caused by a car accident which is partly or fully your fault.

Yes. In the event that your son/daughter is involved in an accident in your vehicle and is not listed as a nominated driver on your insurance, he/she may have to pay a higher Age excess for drivers not listed on your policy schedule in addition to the Basic excess, on condition that TIO chooses to accept the claim. If they were listed on the policy, you would pay a lower Age excess in addition to the Basic excess.
In addition to the Basic excess, he/she will also be required to pay an “Age excess” for drivers under the age of 25 listed on your policy schedule. All excesses are displayed on your current car insurance policy schedule.
Unless they are listed on your car insurance policy, we are unable to provide any information or action any requests on your behalf. Please contact our staff on 131 846 to discuss who is listed on your policy and what is required to provide them with access to your car insurance policy.
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Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
Trusted since 1979
TIO was established in 1979 to provide Territorians with insurance options that are right for them. Almost 40 years on, we are still here because we are as committed and passionate about the Northern Territory as you are.

1. Online discounts

The online discount applies to new comprehensive car insurance policies only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

2. Minimum premium

Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers.

3. We cover anyone who drives your car

We cover anyone you give permission to drive your car unless the driver is noted as a declined driver on your policy schedule. Additional excesses apply (in addition to the basic excess) for the following:

  • Age Excess: drivers under the age of 25 listed on the policy schedule - $600, driver under the age of 25 not listed on your policy schedule - $1800
  • Unnamed driver excess: if you choose to reduce your premium by naming drivers on your policy, an unnamed driver will incur a $2,500 excess (this replaces all other excesses)
Other restrictions and excesses may apply. Please refer to the Product Disclosure Statement (PDS) and Premium, Excess, Discount and Options Guide (PED) for more details.

4. Removal of basic excess for windscreen claim

Only applies where damage to windscreen is the only damage to the vehicle. Applies to one replacement claim per policy year.

5. Named driver and online discount

Named driver and online discount applies to new comprehensive car insurance policies only. Up to 15% discount is a combination of two discounts: up to 10% discount for buying online, up to 5% named driver discount when you select this option and name all drivers on your policy at the time of purchase. These discounts are cumulative and are applied to our standard rates (excluding optional covers). If you choose to reduce your premium by naming drivers on your policy, an unnamed driver will incur a $2,500 excess (this replaces the basic and all other excesses where applicable).