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Call 8202 4567
  • SA map in trophy
    Winner of Canstar's Most Satisfied Customers - SA Car Insurer Award 2019-2023
  • Discounts and benefits for RAA members
  • Easy online claims 24/7
  • Pay monthly at no extra cost

Get a Third Party Car Insurance quote from SA locals

Our Third Party Car Insurance covers damage caused by your car to someone else's car or property. You also have the option to cover your own car for fire damage, theft and attempted theft.

Compare our Third Party and Third Party, Fire and Theft Car Insurance to find the right level of cover for you.

Getting a quote online is quick and easy, and you can claim online 24/7.

Compare our Third Party Car Insurance cover levels

Third Party, Fire & Theft

Third Party

Third Party, Fire & Theft

Third Party

  • 1

    Fire

    We'll cover your car if it's damaged by fire, including bushfire.
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  • 1

    Theft or attempted theft

    We'll cover your car if it's stolen or damaged in a theft or attempted theft.
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  • 1

    Hire car following theft

    We'll cover part of the cost of a hire car for up to 21 days if your car is stolen.
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  • 1

    Accidents: Other cars, property and people (legal liability)

    You're covered for up to $20 million in loss or damage to other people's cars and property and $5 million in costs from bodily injury or death of a person, caused by your car in Australia.
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  • 1

    Choice of repairer

    You can use a repairer from our network or you can choose your own, they just need to meet our standards. Repairs must not be made without our prior consent.
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  • Repairs guaranteed for life

    Repairs are guaranteed for life on the quality of materials and labour used at RAA Approved crash repairers, as long as you continue to insure your car with us.
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  • Theft of keys

    We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.
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  • Towing and storage

    We'll cover the cost of towing your car if it's damaged in an incident. We'll tow it to the nearest repairer and, if needed, cover storage costs until it can be repaired.
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  • 14 day change of vehicle

    When you sell or replace your car, we'll cover the new car at the same level of cover for up to 14 days.
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  • Baby capsules, booster and child seats

    We'll replace baby capsules, booster and child seats if they're damaged in an incident or stolen while they're fitted to your car.
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Get a quote online

All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Compare our Third Party Car Insurance cover levels

Use the drop-down menus to compare options

Comparing 2 of 2

VS
Third Party, Fire & Theft
Third Party
Get a quote
Get a quote
Third Party, Fire & Theft
Third Party
  • 1

    Fire

    We'll cover your car if it's damaged by fire, including bushfire.
    fa-check
    fa-times
  • 1

    Theft or attempted theft

    We'll cover your car if it's stolen or damaged in a theft or attempted theft.
    fa-check
    fa-times
  • 1

    Hire car following theft

    We'll cover part of the cost of a hire car for up to 21 days if your car is stolen.
    fa-check
    fa-times
  • 1

    Accidents: Other cars, property and people (legal liability)

    You're covered for up to $20 million in loss or damage to other people's cars and property and $5 million in costs from bodily injury or death of a person, caused by your car in Australia.
    fa-check
    fa-check
  • 1

    Choice of repairer

    You can use a repairer from our network or you can choose your own, they just need to meet our standards. Repairs must not be made without our prior consent.
    fa-check
    fa-check

  • Repairs guaranteed for life

    Repairs are guaranteed for life on the quality of materials and labour used at RAA Approved crash repairers, as long as you continue to insure your car with us.
    fa-check
    fa-check

  • Theft of keys

    We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.
    fa-check
    fa-times

  • Towing and storage

    We'll cover the cost of towing your car if it's damaged in an incident. We'll tow it to the nearest repairer and, if needed, cover storage costs until it can be repaired.
    fa-check
    fa-times

  • 14 day change of vehicle

    When you sell or replace your car, we'll cover the new car at the same level of cover for up to 14 days.
    fa-check
    fa-check

  • Baby capsules, booster and child seats

    We'll replace baby capsules, booster and child seats if they're damaged in an incident or stolen while they're fitted to your car.
    fa-check
    fa-times
Get a quote online

All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Why choose RAA insurance?

  • 10% multi-policy discount

    We give you a 10% discount on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name.*
  • Piggy bank

    10% Seniors Card holder discount

    Seniors Card holders can get a 10% discount on their car insurance policy.*

  • Shopping and entertainment discounts

    Access to our member benefits, so you can enjoy discounts to many stores throughout Australia and online.

*Discounts do not apply to optional covers or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.


  • We've won Canstar's Most Satisfied Customers - SA Car Insurer Award for the fifth year running

    In 2023 our members once again reported higher levels of product and service satisfaction than those of other eligible insurers.

    Read more


Frequently asked questions

  • What's the difference between CTP and Third Party Insurance?

    Compulsory Third Party (CTP) covers your costs for the injuries of any other person hurt in an accident that involves your car. RAA doesn't offer CTP. It's compulsory to choose a CTP insurer when you pay your car registration and is entirely separate to Third Party insurance.

    Third Party insurance covers damage caused by your car to someone else's car or property. RAA does offer Third Party insurance. You may want to have RAA Car Insurance in addition to CTP.

Read more FAQs



Looking for a difference type of Car Insurance?

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Things you should know

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 relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Read the General Insurance Code of Practice and our complaint policy for further information about your rights.

For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.