Types of Cover

Third Party Insurance

Motor Third Party Property Damage Insurance

Third Party Property Damage Insurance is the basic form of insurance that covers you for loss or damage to other people and property.

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Legal liability

You are covered for legal liability Australia-wide. This will cover you for any loss or damage to other peoples property, their bodily injury or death arising from the use of your vehicle up to $20,000,000.

Loss or damage to your vehicle

(Uninsured Motorist Extension)

In addition to legal liability we will provide you some extra cover. If your vehicle is damaged by an uninsured driver i.e. they are deemed at fault in an accident you are involved in but don't have any insurance then we will pay you up to $3,000 as long as you get their details.

If you claim under this benefit then we will also let you choose your own repairer, ensure they use genuine manufacturers parts and guarantee the repairs for life if you choose and RAA Approved Repairer.

Additional benefits at no extra cost

In addition to the above we will also include some additional benefits at no extra cost. This includes:

  • 14 day change of vehicle
  • freedom of choice of repairer
  • legal costs
  • no fault excess
  • substitiute vehicle cover

Find out more about these benefits.


The information included in this website and in our brochures is a summary and is intended as a guide only. Each section should be read subject to the full terms, conditions and exclusions as set out in the Product Disclosure Statement (PDS). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

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