A woman driving in her car

Third Party Fire & Theft car insurance

To cover your car for theft and fire, see if Youi’s Third Party Fire and Theft car insurance is the right fit.

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What is Third Party Fire & Theft insurance?

Third Party Fire & Theft insurance provides cover for your car if it’s damaged by fire, stolen or damaged by attempted theft – plus your legal liability arising from an accident that results in third party property damage. With Youi, it also includes handy extras like towing costs, emergency accommodation, cover for contents in the car and temporary replacement cover if you sell or give away your car.¹

Repairs guarantee

Repairs guarantee

If you need to make a claim, we’ll guarantee the quality of all authorised repairs for as long as you own the vehicle.²

Theft coverage

Theft coverage

If your car’s stolen or damaged in an attempted theft, consider it covered.¹

Third party property only

Fire coverage

If fire damages your car, we’ll cover the cost to replace or repair it.³

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

Towing costs

If your car can’t be driven after an insured event, we’ll cover the cost of towing and storing it at the nearest suitable place for safekeeping.¹

Emergency accommodation, transport and repairs

If you’re over 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.¹

Contents inside the car

If items inside your car are lost or damaged as the result of an insured event, we'll cover up to $150 per item to a limit of $750 per claim.¹

Temporary replacement cover

If you sell or give away the car and replace it with another one, we’ll transfer your Third Party Fire and Theft car insurance to the replacement car for up to 14 days.¹

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.¹

Counselling services

Since road accidents can affect your mental health, we’ll reimburse up to $1,500 for out-of-pocket counselling sessions with an accredited counsellor for you, your household members and listed drivers after an accepted claim.¹

Locks and keys

If your keys are stolen, we’ll cover up to $1,000 after excess for a locksmith to replace or recode the car locks and keys.

Hire car following theft

Youi’s Third Party Fire and Theft policy includes hire car for accepted theft and attempted theft claims.¹

Legal liability

If your car causes damage to someone’s property, Fire and Theft car insurance covers you for up to $20 million in legal liability.¹

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.¹

If your car can’t be driven after an insured event, we’ll cover the cost of towing and storing it at the nearest suitable place for safekeeping.¹

If you’re over 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.¹

If items inside your car are lost or damaged as the result of an insured event, we'll cover up to $150 per item to a limit of $750 per claim.¹

If you sell or give away the car and replace it with another one, we’ll transfer your Third Party Fire and Theft car insurance to the replacement car for up to 14 days.¹

If your unbraked trailer is damaged in an insured event, we’ll cover up to $1,500 in repair costs for accepted claims.¹

Since road accidents can affect your mental health, we’ll reimburse up to $1,500 for out-of-pocket counselling sessions with an accredited counsellor for you, your household members and listed drivers after an accepted claim.¹

If your keys are stolen, we’ll cover up to $1,000 after excess for a locksmith to replace or recode the car locks and keys.

Youi’s Third Party Fire and Theft policy includes hire car for accepted theft and attempted theft claims.¹

If your car causes damage to someone’s property, Fire and Theft car insurance covers you for up to $20 million in legal liability.¹

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.¹

Optional cover

You can’t plan for everything – but you can choose to add these optional covers for when it might matter.⁶

Hire car cover for other insured events

Get a hire car for up to 21 days for a range of other insured events – even if you’re at fault.⁶

Damage to or loss of business items

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

Campervan/motorhome contents

Busy living your best van life? We’ll cover up to $1,000 per item if the contents inside your campervan or motorhome are stolen or damaged as the result of an insured event.⁶

Get a hire car for up to 21 days for a range of other insured events – even if you’re at fault.⁶

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

Busy living your best van life? We’ll cover up to $1,000 per item if the contents inside your campervan or motorhome are stolen or damaged as the result of an insured event.⁶

What’s not covered

We want to make it easier to find the right car insurance. So, we’re transparent about what isn’t included.

Accidental damage

If your car is accidentally damaged, repair or replacement costs aren’t covered under a Third Party Fire & Theft policy.⁴

Intentional damage

Car repair and replacement costs due to intentional damage won’t be covered.

Storm, hail or flood

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

Roadside assistance

Youi Roadside Assist isn’t included with this type of cover.⁵

Want more coverage? Check out our Comprehensive car insurance to see if it’s the right fit.

Personal-injury related costs to third parties

If you cause personal injury or death to a third party in a motor accident where you’re at fault, you won’t be covered under a Third Party Fire & Theft policy – you'll need Compulsory Third Party insurance for this, which Youi provides in New South Wales and South Australia.

If your car is accidentally damaged, repair or replacement costs aren’t covered under a Third Party Fire & Theft policy.⁴

Car repair and replacement costs due to intentional damage won’t be covered.

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

Youi Roadside Assist isn’t included with this type of cover.⁵

Want more coverage? Check out our Comprehensive car insurance to see if it’s the right fit.

If you cause personal injury or death to a third party in a motor accident where you’re at fault, you won’t be covered under a Third Party Fire & Theft policy – you'll need Compulsory Third Party insurance for this, which Youi provides in New South Wales and South Australia.

What type of car insurance do you need?

Comprehensive car insurance

Comprehensive car insurance

Cover for accidental damage to your own car or third party property.

Third party fire and theft

Third Party Fire and Theft car insurance

Cover for your car if it’s stolen or damaged by fire, or if you unintentionally damage another person’s car or property in an accident.

Third party property only

Third Party Property Only insurance

Cover for accidental damage to someone else’s car or property caused in a motor accident.

Third Party Property Only

NSW CTP

Compulsory Third Party (CTP) insurance

Compulsory cover in Australia for you and third-party drivers if injury or death occurs in a motor accident.

Lodge it, track it, stay in the know

Make and track your claim online

Lodge and keep tabs on a car insurance claim with our handy Claims Tracker.

Know exactly what’s covered

Explore the benefits, inclusions and exclusions of your policy in our Product Disclosure Statement (PDS).

Real help, real fast

On average, we strive to answer phone calls in around 30 seconds⁷ – because we respect your time.

Make and track your claim online

Lodge and keep tabs on a car insurance claim with our handy Claims Tracker.

Know exactly what’s covered

Explore the benefits, inclusions and exclusions of your policy in our Product Disclosure Statement (PDS).

Real help, real fast

On average, we strive to answer phone calls in around 30 seconds⁷ – because we respect your time.

FAQs

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

Third Party Property Only won’t cover your car if it’s stolen or damaged by fire.
Third Party Fire & Theft does.

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

Heads up – 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.

Yes – Third Party Fire & Theft can cover both attempted break-ins and theft of personal items under certain conditions.

With Youi Third Party Fire & Theft car insurance:

You’re covered for damage caused by an attempted break-in
You're covered if your car is stolen
You may also be covered for stolen or damaged personal items as a result of an insured event – up to $150 per item, capped at $750 per claim²

Conditions may apply – so it’s worth reading the car insurance PDS for the full details.

Third Party Fire & Theft car insurance is calculated based on a range of factors that help insurers assess risk – there's no fixed cost. Here are some of the key things that might impact the cost of your premium:

Your age – young drivers (under 25) typically pay more due to higher risk profiles
Your car – the make, model, year, condition and even colour of your car can influence your premium
Where you live – postcodes with higher rates of theft or accidents might increase your premium. Safer areas could help reduce it
Where you park – garaged or secure parking is usually cheaper than street parking
Your driving history – past accidents or licence suspensions might increase your premium – even if no claims were made
Demerit points – more demerit points means higher risk, which could mean a higher premium
Your insurance history – a clean history with previous insurers might help lower your premium, while past claims could increase your premium

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

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

For more on how excess works, check the PDS.

Learner drivers are covered under a Youi Third Party Fire & Theft policy – as long as they follow the licence and supervision rules in their state or territory.

To make sure everything’s above board:

List any learner drivers – or regular drivers – 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

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

What people are saying

Excellent

4.7 / 5 from over 24,347 reviews.

10 Jun 2025

Someone was actually listening to what…

Someone was actually listening to what i required for my car insurance. So thank you Youi

10 Jun 2025

Very competitive rates

I called to review my car insurance policy which was up for renewal and received great customer service from Richard who was forever helpful and gave me a great deal for my new policy.

06 Jun 2025

Fantastic staff and customer service

I wanted to thank Izzy and Chloe for looking after me with my new car insurance policy. They are very understanding of customer needs and represented Youi in a very professional manner. Very knowledgeable and great ambassadors for Youi. Many thanks David.

04 Jun 2025

Professional Service

I appreciate not being left on hold for an hour to talk to someone, everyone's time is important. Youi answer promptly, focus on what you are saying and listen. My questions were answered quickly, professionally and this is the reason my car is now insured with Youi. Just good professional service.

26 May 2025

Mel was amazing

Mel was amazing. I had a total loss car accident this morning and we had some work to do together. She made it easy, took great care of me. I love Youi, wouldn't want to talk to any other company when the bad stuff happens.

22 May 2025

Easy and efficient

Efficient service and easy process. Communication was fantastic and my car looks nearly like new.

17 May 2025

Fantastic to deal with

Great to deal with been with Youi. For 10 years I can't get better anywhere for car insurance.

14 May 2025

The Human Touch

2nd year dealing with YOUI. Car insurance. Very proactive, friendly, helpful staff (Ryan most recently). Clear about costs and options. A pleasure to deal with.

27 Apr 2025

Exceptional Customer Service from Henry

I was very impressed of Henry who assisted in my claim for the car accident. He was very accommodating and understood what I've been through. Henry ensured I was okay and provided a very thorough advice on the process. I did not expect that easy to make a claim, very impressive! Well done Henry! Thank you so much for your excellent customer service!

25 Apr 2025

Fantastic Service

Fantastic service, I lodged my claim online at 9pm and received a call at 8am the next morning completing the claim and approving it. Also, I could have my car assessed within 24-48 hours. You can't get better service than that.

Disclaimers

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

¹ Limits, fees and exclusions may apply. For more details, see the PDS.
² 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 more details, see the PDS.
³ Loss or damage caused by a fire within the first 72 hours of your policy commencing is only covered in limited circumstances. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
⁴ Accidental damage available with Comprehensive policies only. For more details, see the PDS.
⁵ Youi Roadside Assist available with Comprehensive policies only. Exclusions, limits and additional fees may apply. Cover not available within first 24 hours of taking out, or upgrading to, Comprehensive cover.
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 more details, see the PDS.
⁷ Refers to average call answer times for Customer Services, excluding calls to Youi Roadside Assist.