A woman driving in her car

Third Party Fire and Theft car insurance

Want to cover your car for theft and fire, plus damage you accidentally cause to someone else’s vehicle or property? See if Youi’s Third Party Fire & Theft insurance is the right fit for you.

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What is Third Party Fire & Theft insurance?

Third Party Fire and Theft insurance provides cover for your car if it’s damaged by fire,1 or stolen or damaged in an attempted theft.2 If you cause an accident that damages someone else’s property, your legal liability for those repair costs are covered too.3 So why choose Youi for your Third Party Fire and Theft car insurance?

Repairs guarantee

Repairs you can count on

If you need to make a claim, we’ll guarantee the quality of all repairs we authorise and arrange, for as long as you own the vehicle.4

Claim online, anytime

Claim online, anytime

Unexpected things can happen at any time. That's why at Youi, if you're involved in an insured event, you can lodge and track your Third Party Fire & Theft car insurance claim online, day or night.

OUR CLAIMS PROCESS
Friendly looking woman wearing a telephone headset.

Fast phone call pick-up times

We aim to answer phone calls in around 30 seconds.5 That means shorter wait times and faster service when it counts.

Towing your vehicle

Towing costs, sorted

Our Third Party Fire & Theft insurance will cover the reasonable cost to tow your car to the nearest suitable location, for example a nearby repairer or salvage yard, if it’s deemed unsafe to drive, after an insured event.2

Hire car

Hire car to keep you moving

If your car is stolen or damaged in an attempted theft, with our Third Party Fire & Theft car insurance we’ll organise and cover the cost of a hire car for up to a total hire period of 21 days.2

What does our Third Party Fire and Theft car insurance cover?

Theft

We’ll cover your car if it’s stolen or damaged in an attempted theft.2

Fire

If fire damages your car, we’ll cover the cost to replace or repair it.1

Contents inside the car

If personal property inside your car is lost or damaged as a result of an insured event, we’ll cover up to $150 per item to a limit of $750 per claim.2

Emergency accommodation, transport and repairs

If you’re more than 100km from home and can’t safely drive your car after an insured event, we’ll reimburse up to $1,000 for combined emergency transport, accommodation and repair costs.2

Temporary replacement cover

If you sell or give away your insured car and replace it with another one, we’ll transfer your Third Party Fire & Theft cover to the replacement car for up to 14 days.2

Counselling services

Car accidents can be overwhelming. We’ll help support your mental health too, by reimbursing up to $1,500 for counselling sessions for you, listed drivers and household members after an incident where an insurance claim has been accepted.2

Towing costs

If your car can’t be driven after an insured event, we’ll cover the reasonable cost of towing and storing it at the nearest suitable place for safekeeping.2

Locks and keys

If your keys are stolen, we’ll cover up to $1,000 after excess, for the car locks and keys to be replaced or recoded.2

Hire car following theft

Youi’s Third Party Fire & Theft cover includes a hire car for accepted theft and attempted theft claims. We’ll organise and cover the cost of a compact hire car for up to a total hire period of 21 days.2

Legal liability

If your car damages someone else’s car or property, Third Party Fire and Theft car insurance covers you for up to $20 million in legal liability.2

Personal transport

If your car can’t be safely driven after an insured event, we’ll reimburse you up to $100 for the cost of personal transport from the scene of the incident, or to and from a repairer or hire car provider.2

Unbraked trailers

If your unbraked trailer is damaged in an insured event, we’ll cover up to $1,500 in repair costs for accepted claims. And if it’s a total loss, we’ll pay you the trailer’s market value, up to a maximum of $1,500.2

We’ll cover your car if it’s stolen or damaged in an attempted theft.2

If fire damages your car, we’ll cover the cost to replace or repair it.1

If personal property inside your car is lost or damaged as a result of an insured event, we’ll cover up to $150 per item to a limit of $750 per claim.2

If you’re more than 100km from home and can’t safely drive your car after an insured event, we’ll reimburse up to $1,000 for combined emergency transport, accommodation and repair costs.2

If you sell or give away your insured car and replace it with another one, we’ll transfer your Third Party Fire & Theft cover to the replacement car for up to 14 days.2

Car accidents can be overwhelming. We’ll help support your mental health too, by reimbursing up to $1,500 for counselling sessions for you, listed drivers and household members after an incident where an insurance claim has been accepted.2

If your car can’t be driven after an insured event, we’ll cover the reasonable cost of towing and storing it at the nearest suitable place for safekeeping.2

If your keys are stolen, we’ll cover up to $1,000 after excess, for the car locks and keys to be replaced or recoded.2

Youi’s Third Party Fire & Theft cover includes a hire car for accepted theft and attempted theft claims. We’ll organise and cover the cost of a compact hire car for up to a total hire period of 21 days.2

If your car damages someone else’s car or property, Third Party Fire and Theft car insurance covers you for up to $20 million in legal liability.2

If your car can’t be safely driven after an insured event, we’ll reimburse you up to $100 for the cost of personal transport from the scene of the incident, or to and from a repairer or hire car provider.2

If your unbraked trailer is damaged in an insured event, we’ll cover up to $1,500 in repair costs for accepted claims. And if it’s a total loss, we’ll pay you the trailer’s market value, up to a maximum of $1,500.2

Optional cover

You can’t plan for everything – but at Youi, you can choose to add these optional covers to your Third Party Fire and Theft auto insurance policy for when it might matter.6

Business items

If you have this optional cover, we’ll pay up to $400 per item – up to a limit of $2,000 per accepted claim – if business items securely stored in the car are stolen or damaged as a result of an insured event.6

Campervan or motorhome contents 

Busy living your best van life? If you add this option, we’ll cover up to $1,000 per item if contents or personal property inside your campervan or motorhome are stolen or damaged as a result of an insured event.6

If you have this optional cover, we’ll pay up to $400 per item – up to a limit of $2,000 per accepted claim – if business items securely stored in the car are stolen or damaged as a result of an insured event.6

Busy living your best van life? If you add this option, we’ll cover up to $1,000 per item if contents or personal property inside your campervan or motorhome are stolen or damaged as a result of an insured event.6

What’s not covered

At Youi, we aim to keep things simple and transparent – including clearly outlining what isn’t covered under our Third Party Fire & Theft car insurance.

For the full list of exclusions, see the Product Disclosure Statement.

Accidental damage

If your car is accidentally damaged, repair or replacement costs aren’t covered under a Third Party Fire and Theft policy.7

Intentional damage

Car repair and replacement costs due to intentional damage won’t be covered by Third Party Fire and Theft insurance.

Storm, hail or flood

Your car won’t be covered for storms, hail or floods with a Third Party Fire and Theft policy.

Roadside assistance

Youi Roadside Assist is automatically included with our Comprehensive car insurance, but isn’t included with Third Party Fire and Theft cover.8

Third party personal-injury related costs

If you’re at fault for a car accident that injures someone, a Third Party Fire and Theft policy won’t cover your legal liability to pay them compensation. That’s what Compulsory Third Party (CTP) insurance is for – and it’s mandatory in Australia.9

If your car is accidentally damaged, repair or replacement costs aren’t covered under a Third Party Fire and Theft policy.7

Car repair and replacement costs due to intentional damage won’t be covered by Third Party Fire and Theft insurance.

Your car won’t be covered for storms, hail or floods with a Third Party Fire and Theft policy.

Youi Roadside Assist is automatically included with our Comprehensive car insurance, but isn’t included with Third Party Fire and Theft cover.8

If you’re at fault for a car accident that injures someone, a Third Party Fire and Theft policy won’t cover your legal liability to pay them compensation. That’s what Compulsory Third Party (CTP) insurance is for – and it’s mandatory in Australia.9

Looking for CTP insurance? We do that too.

NSW CTP Green Slip SA CTP

What type of car insurance do you need?

Comprehensive car insurance

Comprehensive car insurance

Cover your car for theft,10 intentional damage,11 accidental damage11 – even when you’re at fault – and damage caused by fire1 and most severe weather events.11,12 You’re also covered for damage to other people’s cars and property.3

Comprehensive
Third party fire and theft

Third Party Fire and Theft car insurance

Cover for your car if it’s stolen or damaged in an attempted theft or a fire,1,2 or if you unintentionally damage another person’s car or property in an accident.3

Start a quote
Third party property only

Third Party Property Only insurance

Cover for accidental damage to someone else’s car or property caused by a motor accident that’s your fault.3

Third Party Property Only
NSW CTP

Compulsory Third Party (CTP) insurance

CTP is compulsory cover for you and third party drivers if your vehicle causes injury or death in a motor accident. Regardless of where you live in Australia, you need CTP insurance to register your vehicle.9

NSW CTP

What you’ll need to get a Third Party Fire and Theft car insurance quote

The car’s details

Let us know about your car’s make and model, as well as a few other details such as its age and colour.

Details about the watercraft

We’ll ask you how old you are and what type of driver’s licence you have. If you want anyone else included as a listed driver on your policy, we’ll grab the same information about them too.

Details of how you use your car 

Do you use your car for business or private use, or maybe a combination? It’s important to tell us what you use your car for.

Details about where you park your car

The address your car is typically parked at overnight, as well as whether it’s parked in a garage, under a carport or on the street, also helps us determine your car insurance premium.

Let us know about your car’s make and model, as well as a few other details such as its age and colour.

We’ll ask you how old you are and what type of driver’s licence you have. If you want anyone else included as a listed driver on your policy, we’ll grab the same information about them too.

Do you use your car for business or private use, or maybe a combination? It’s important to tell us what you use your car for.

The address your car is typically parked at overnight, as well as whether it’s parked in a garage, under a carport or on the street, also helps us determine your car insurance premium.

Third Party Fire and Theft car insurance FAQs

Have questions about our Third Party Fire & Theft insurance? You might find the answers you’re looking for here.

The main difference between these third party car insurance options comes down to what happens to your own car.

  • Third Party Property Only insurance won’t cover your car if it’s stolen or damaged by fire, theft or an attempted theft.
  • Third Party Fire and Theft insurance does cover your car for these events.1,2

Both policies do include legal liability – that means if your car causes damage to someone else’s vehicle or property in an accident that’s your fault, you’re insured for it.3

A heads up though – neither policy includes cover for injuries to people. That’s what Compulsory Third Party (CTP) insurance is for. Depending on where you live, CTP is either included with your car registration or purchased separately through a private insurer or state government.9

Youi provides CTP insurance in New South Wales and South Australia.

Yes – our Third Party Fire & Theft insurance acts as car theft insurance, covering both attempted break-ins and actual vehicle theft, as well as theft of personal items under certain conditions.

With Youi Third Party Fire & Theft insurance:

  • You’re covered for damage caused by an attempted theft2
  • You’re covered if your car is stolen2
  • Personal property inside your car may also be covered if it gets stolen or damaged as a result of a theft or an attempted theft – up to $150 per item, capped at $750 per claim.2

Conditions apply, so it’s worth reading the car insurance Product Disclosure Statement (PDS) for the full details.

Third Party Fire and Theft car insurance is calculated based on a range of factors that help insurers assess risk – there's no fixed cost.

Some of the key things that might impact the cost of your premium include:

  • Your age – young drivers under the age of 25 typically pay more for car insurance due to higher risk profiles13
  • Your car – the make, model, year, condition and even colour of your car could influence your premium
  • Where you live – postcodes with higher rates of theft or accidents might increase your premium14
  • Where you park – policies for cars that are usually parked overnight in a garage or secure parking may be less expensive than policies for cars parked on the street
  • Your driving history – past accidents or licence suspensions might increase your premium, even if you didn’t make a car insurance claim
  • Demerit points – having more demerit points on your driver’s licence could mean you’re a higher risk to insure, which could result in a higher premium
  • Your insurance and claims history – whether or not you’ve made past claims – and if you have, what they were for – may affect your premium

Each insurer considers and weighs these factors differently – so premiums can vary between insurers, even for the same driver and car.

Yes – you can choose your basic excess from a range of set amounts when you take out a Third Party Fire & Theft policy with Youi. Your basic excess is the amount you’ll pay each and every time you claim.

Other types of excess, such as reduced basic excess for windscreen claims, additional excess and driver specific excess are fixed amounts that will be listed on your policy schedule if they apply to you.15

To learn more about how excess works, check the PDS.

Yes, as long as they follow the licence and supervision rules in their state or territory, learner drivers are covered under a Youi Third Party Fire & Theft car insurance policy.

It’s important to list any learner drivers – as well as any other regular drivers aside from you – on your policy. If a learner driver isn’t listed and they’re involved in an incident, extra excesses may apply and, in some cases, it could impact your cover.13

Not sure if your learner is listed? It’s worth double-checking your policy details or giving us a call on 13 9684.

No. Youi Roadside Assist is not included with our Third Party Fire & Theft cover, and you can’t purchase it separately or add it as an optional cover.

However, Roadside Assist is automatically included as standard with our Comprehensive car insurance.8 If you’re keen to find out how much Comprehensive insurance might cost for your car, why not consider starting a quote online or by giving us a call on 13 9684.

You can make a car insurance claim with us online 24/7 – or by calling 13 YOUI (9684). Then, you can track the status of your claim online or through the Youi app.

The good news is our 2025 Under the Hood Report shows that 81% of Aussies find the car insurance claims process extremely or quite easy.

For more information on lodging claims, see our Making a Claim page.

No. At Youi, if your car’s not a total loss after we’ve accepted a claim, we’ll choose a suitable repairer from our nationwide repairer network and arrange to have the damaged parts of your car fixed or replaced.

Afterwards, we’ll guarantee the quality of all authorised repairs for as long as you own the vehicle.4

How to make a Third Party Fire and Theft insurance claim

Lodge your claim

You can make a claim online 24/7 or by giving us a call on 13 YOUI (9684). You’ll just need to provide us with your policy number and a few details about the incident.

Start a claim

Track it online

Our Claims Tracker helps you stay up to date with the status of your claim anytime, anywhere – so you’ll always know what’s happening.

Claims Tracker

Call us if you have a question

Need to check something? We aim to answer phone calls in around 30 seconds, so you won’t be left waiting for an answer.5

Lodge your claim

You can make a claim online 24/7 or by giving us a call on 13 YOUI (9684). You’ll just need to provide us with your policy number and a few details about the incident.

Start a claim

Track it online

Our Claims Tracker helps you stay up to date with the status of your claim anytime, anywhere – so you’ll always know what’s happening.

Claims Tracker

Call us if you have a question

Need to check something? We aim to answer phone calls in around 30 seconds, so you won’t be left waiting for an answer.5

Third Party Fire and Theft car insurance guides

Browse our collection of articles and go-to explainers related to Third Party Fire and Theft car insurance to help you decide whether this type of car insurance cover is right for you.

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What Australians are saying about Youi

When you’re trying to choose the right car insurance cover for you, it can help to hear about other people’s experiences.

Here’s what people have been saying recently about Youi car insurance – including our Third Party Fire & Theft insurance.

Excellent Youi Trustpilot star rating
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25 Mar 2026

Fantastic service

Fantastic service, friendly, professional and saved over $200 for the year on my car insurance.

Cat
Youi Insurance 5 star Trustpilot review
07 Mar 2026

Talking to Joel

Talking to Joel, felt like talking with my son today. It was an easy and relaxed conversation, which ended up with me saving money by choosing Youi to give me security with comprehensive car insurance.

Tracey
Youi Insurance 5 star Trustpilot review
16 Feb 2026

Youi Car Insurance

The experience was great, no hassles only friendly efficient service satisfying all my questions. Sal was the officer involved and was most helpful. Thankyou.

David
Youi Insurance 5 star Trustpilot review
13 Feb 2026

Car insurance claim made easy

Claim process was made easy by the professionalism and friendliness of the call operator. Would not fault the excellent service provided. YOUI HIGHLY RECOMMENDED

Carole

Disclaimers

Car Insurance issued by Youi Pty Ltd. Consider the Car PDS and TMD to decide if this product is right for you.

1 Exclusions and limits may apply. Where you have increased your cover or reduced your excess within 72 hours of a bushfire occurring, cover will be limited to the amount that was effective prior to the change. Loss, damage or legal liability caused by, resulting or arising from bushfire during the first 72 hours of your policy first being purchased is excluded unless certain conditions apply. Available with Comprehensive and Third Party Fire & Theft policies. For full details, see the PDS, TMD and your policy schedule.
2 Limits, fees and exclusions may apply. For full details, see the PDS, TMD and your policy schedule.
3 Available with all levels of car insurance except CTP. Limits and exclusions apply. For full details, see the PDS, TMD and your policy schedule.
4 Where we arrange, authorise and pay a service provider for repairs, we will guarantee the quality of the repairs for as long as you or a listed driver are the owner of the insured property. The guarantee includes the rectification of any defects caused by poor workmanship, or faulty materials, related to these repairs. For full details, see the PDS, TMD and your policy schedule.
5 Refers to average call answer times for Customer Services, excluding calls to Youi Roadside Assist.
6 Additional costs and restrictions apply. Cover available with Comprehensive and Third Party Fire & Theft policies and is subject to any applicable excesses. For business items, additional restrictions apply. For full details, see the PDS, TMD and your policy schedule.
7 Accidental damage available with Comprehensive policies only. For full details, see the PDS, TMD and your policy schedule.
8 Youi Roadside Assist available with Comprehensive policies only. Exclusions, limits and additional fees may apply. Cover not available within the first 24 hours of taking out, or upgrading to, Comprehensive cover. For full details, see the PDS, T&Cs & TMD.
9 Source: Moneysmart – Choosing car insurance
10 Available with Comprehensive and Third Party Fire & Theft policies only. Exclusions apply. For full details, see the PDS, TMD and your policy schedule.
11 Available with Comprehensive policies only. Limits and exclusions apply. For full details, see the PDS, TMD and your policy schedule.
12 Exclusions and limits may apply. Where you have increased your cover or reduced your excess within 72 hours of a flood, storm, hail or bushfire occurring, cover will be limited to the amount that was effective prior to the change. Loss, damage or legal liability caused by, resulting or arising from flood, storm, hail or bushfire during the first 72 hours of your policy first being purchased is excluded unless certain conditions apply. For full details, see the PDS, TMD and your policy schedule.
13 Source: CHOICE – Best car insurance for drivers under 25, February 2026
14 Source: Canstar – How much does car insurance cost?, April 2026
15 Special conditions and restrictions may apply and will be stated on your policy schedule (for example, for some cars, we may restrict cover to the listed and regular drivers only, or apply a special condition of “no cover for drivers under 30 years of age”). For full details, see the PDS, TMD and your policy schedule.