Third Party Property Only car insurance

Third Party Property Only might be more affordable – but it covers less risk. 

It’s designed to cover the damage you cause to other people’s cars or property. It does not cover your own vehicle – unless you’re hit by an uninsured driver and meet certain conditions. 

Comprehensive car insurance offers broader coverage, including damage to your own car and events like accidents – whether you’re at fault or not – malicious damage, hail damage, some natural disasters, heavy storms, fire, theft and more.

No – it only covers damage to other people’s property, not your own.  

However, Youi’s Third Party Property policy includes limited cover for damage to your car if an uninsured driver is at fault. You may be eligible for up to $5,000 – after excess – if an uninsured driver damages your car and is at fault. You’ll just need to provide the other driver’s details when you make a claim –such as their name, phone number, address, and vehicle rego.

To calculate the cost of Third Party Property car insurance, insurers – including Youi – look at a range of factors. These include your age, driving history and incurred demerit points, where you live and where the car is parked, the type, age and value of the car, and any previous claims or incidents. 

Read more on the factors that can impact your car insurance premium or how much car insurance costs. And for an accurate price of Third Party Property insurance, start a quote with Youi.

Yes – most claims under Third Party Property insurance require you to pay an excess. 

The excess amount will be the combined total of the basic excess and any other applicable excess. If you’re insured with Youi, these amounts will be listed on your policy schedule. You may not need to pay an excess if you weren’t at fault and you can identify the at-fault driver and provide their details.  

For more details, read our PDS or dive into everything you need to know about car insurance excess.

No – Third Party Property insurance is optional. 

Third Party Property insurance covers the cost of damage to someone else’s vehicle or property – but it’s not a legal requirement. 

Compulsory Third Party (CTP) insurance –  sometimes called a Green Slip in NSW – is legally required in every Australian state and territory. It covers injuries or fatalities caused to other people in a car accident. 

Looking for CTP in SA, or for NSW CTP ‘Green Slip’ insurance? We’ve got you covered.

You can make a claim under your Third Party Property Only car insurance policy via the Youi app, our online claims portal, or by phoning us – 24/7. 

Check out our article for more on car insurance claims.

If someone claims you caused damage to their vehicle or property, and you have a policy with Youi: 

1. Contact us and lodge a claim 
2. Don’t admit fault or make any agreements directly 
3. Once accepted, we’ll handle communication with the other party and cover damage up to your policy's limit 

Admitting fault too early may impact your claim.

Yes – learner drivers are covered with Youi, as long as they’re supervised by a fully licensed driver. 

However, any claim involving a learner may attract a higher excess, depending on your policy. Always check your policy schedule to confirm who is covered and what excess applies. 

Driving with a learner? Read our guide on preparing your car for a learner driver.