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Car Insurance

18 May 2022

What does third party car insurance cover?

If you’re shopping around for car insurance, you might have considered getting third party damage cover (also known as third party car insurance). As an optional type of car insurance, it might help protect you from financial liability if you’re involved in a car accident.

What is third party cover insurance?

Woolworths Third Party Property Damage Insurance helps cover the cost of damage to another person’s vehicle or property if you’re involved in an accident.

What does third party car insurance cover?

Woolworths Third Party Property Damage Insurance may help cover:

what does third party car insurance cover
  • Compensation to another driver if their vehicle is damaged in a car accident you’re involved in
  • Legal liability cover if you’re driving a substitute vehicle
  • Legal liability for passengers getting in and out of your vehicle if they damage another person’s property or vehicle


See everything Woolworths Insurance Third Party Property Damage covers

Is compulsory third party insurance the same as third party property damage?

No, you must have separate compulsory third party insurance (CTP). This type of insurance is sometimes called a ‘greenslip.’

Compulsory third party insurance is mandatory personal injury insurance* that every car owner must have in Australia. CTP protects the other person if you are involved in a car or motor vehicle accident by covering their medical bills, lost earnings, or (in a serious case) ongoing care.

Third party car insurance only covers you for the cost of damage to other people’s cars and property if you’re involved in an accident.

If you want cover for both parties in the event of a car accident, you might want to consider taking out another type of car insurance.

Woolworths Comprehensive Car Insurance  Woolworths Third Party Property Damage Insurance Woolworths Third Party Fire & Theft Insurance
Accidental loss or damage to your car 
  • Collision
  • Theft or attempted theft
  • Malicious damage
  • Fire
  • Natural events

Accidental loss or damage to your car

  • Collision
  • Theft or attempted theft
  • Malicious damage
  • Fire
  • Natural events

Accidental loss or damage to your car

  • Collision
  • Theft or attempted theft
  • Malicious damage
  • Fire
  • Natural events
Legal liability 
  • Damage to other people’s property (up to $20m)

Legal liability

  • Damage to other people’s property (up to $20m)

Legal liability

  • Damage to other people’s property (up to $20m)
Additional benefits
  • Uninsured motorist extension benefit - up to $3,000
  •  Substitute car – legal liability cover
Additional benefits
  • Uninsured motorist extension benefit - up to $3,000
  •  Substitute car – legal liability cover
Additional benefits
  • Uninsured motorist extension benefit - up to $3,000
  •  Substitute car – legal liability cover

See more benefits of Woolworths Comprehensive Car Insurance

Woolworths Third Party Property Damage Insurance

See more benefits of Woolworths Third Party Fire & Theft Insurance

While there may be more benefits to taking out Woolworths Comprehensive Car Insurance or Woolworths Third Party Fire & Theft Car Insurance, you could be in a situation where your car is older or doesn’t hold as higher value as it once did. In these cases, third party car insurance may be enough. 

How can I get third party car insurance?

Woolworths Car Insurance offers flexible cover options for you and your car.

Get a Third Party Damage Car Insurance quote online today

Why pick Woolworths Car Insurance?

price beat

Price Beat#

If you're 25 or over, we’ll beat any current comparable Comprehensive renewal notice

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Buy online and save

We're offering up to 15% off your policy when you purchase online

drive less pay less

Woolworths Drive Less Pay Less cover

Eligible drivers could save up to $235 with Drive Less Pay Less*

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Offer may be withdrawn or varied at any time. Based on comparable Comprehensive cover. Subject to minimum premiums. Savings apply for the first year only. Terms, conditions and eligibility criteria apply. Any other available discounts applied before price beat. Please read the full terms and conditions on our website.

† Up to 15% discount consists of 3 parts: 5% first year discount, 5% off for online applicants (both of these are first year only), and up to 5% off to exclude drivers under 25. Minimum premiums may reduce savings discount. Any part, or all, of the 15% discount offer can be withdrawn at any time.

CTP Insurance is issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 for whom we act as an agent.

* Savings between $0 to $235 derived from premium comparisons between Woolworths Comprehensive cover option and Drive Less Pay Less option. Calculations based on profiles of existing Woolworths Car insurance customers who advised they drive under 15,000 km annually. Current as at 30 June 2020. Actual savings are determined by your individual circumstances, including the kilometres selected, excess chosen and other risk factors. Minimum premiums may reduce savings. Kilometres can be increased during the policy period, an additional premium is payable. In event of accident and end odometer reading exceeded, additional excess applied.

Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Car Insurance Product Disclosure Statement and consider the Target Market Determination to decide if it is right for you.