Comprehensive and Third Party Property Damage Insurance provide different levels of motor cover.

Comprehensive cover #

Comprehensive cover can generally insure:

• Accidental loss or damage to the insured vehicle
• Theft
• Fire
• Storm or hail damage
• Malicious damage
• Certain legal liabilities for damage caused to another person’s vehicle or property

The actual insured events and benefits depend on the policy wording.

Third Party Property Damage cover #

Third Party Property Damage primarily covers certain legal liabilities for damage caused to another person’s vehicle or property.

It generally does not cover accidental damage to your own vehicle.

Some policies may provide a limited benefit where your vehicle is damaged by an identified uninsured driver, subject to conditions and limits.

What about Third Party Fire and Theft? #

Some insurers also offer Third Party Fire and Theft cover.

This can combine Third Party Property Damage cover with limited protection for your own vehicle following specified events such as fire or theft.

None of these covers replaces compulsory third party personal injury insurance arrangements applying in the relevant state or territory.

Contact our team if you need help comparing Commercial Motor cover options.