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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Terms, conditions, limits and exclusions apply. Please see the relevant PDS

Third Party Property Damage Car Insurance

Third Party Property Damage Car Insurance provides you with cover for 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 pay up to $20,000,000 to cover your legal liability for loss 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 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.

This is a summary only of some of the features available on these Car Insurance policies. Before making a decision on this insurance, please carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the terms, conditions, limits and exclusions of our Car Insurance.

Policy documents

Any advice here is of a general nature only and does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS) /Policy Wording, Supplementary PDS (where applicable) and PDS update (privacy notice). 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.

If your son/daughter is involved in an accident whilst driving your vehicle and is not listed as a nominated driver on your insurance policy, you may have to pay a higher Age excess in addition to Your Basic excess and any other excess that applies, on condition that TIO chooses to accept the claim. If they were listed on the policy, a lower Age excess would apply in addition to Your Basic excess and any other excess that applies.
In addition to Your 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.
For your family member to have access to enquire or make changes to your car insurance policy you will either need to provide authority on the policy or add them as a policy holder. Please contact our staff on 131 846 to discuss who is listed on the policy and what is required to provide them with access to your policy.
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TIO was established in 1979 to offer Territorians a range of insurance options to choose from. We are as committed and passionate about the Northern Territory as you are.