Third Party Car Insurance
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Winner of Canstar's Most Satisfied Customers - SA Car Insurance Award 2019-2024 -
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
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1
Fire
We'll cover your car if it's damaged by fire, including bushfire.fa-checkfa-times -
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Theft or attempted theft
We'll cover your car if it's stolen or damaged in a theft or attempted theft.fa-checkfa-times -
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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-checkfa-times -
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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-checkfa-check -
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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-checkfa-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-checkfa-check -
Theft of keys
We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.fa-checkfa-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-checkfa-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-checkfa-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-checkfa-times
Compare our Third Party Car Insurance cover levels
Use the drop-down menus to compare options
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1
Fire
We'll cover your car if it's damaged by fire, including bushfire.fa-checkfa-times -
1
Theft or attempted theft
We'll cover your car if it's stolen or damaged in a theft or attempted theft.fa-checkfa-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-checkfa-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-checkfa-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-checkfa-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-checkfa-check -
Theft of keys
We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.fa-checkfa-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-checkfa-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-checkfa-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-checkfa-times
Looking for Comprehensive Cover?
Third party and CTP insurance explained
Why choose RAA insurance?
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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.* -
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.
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We've won Canstar's Most Satisfied Customers - SA Car Insurance Award for the sixth year running
In 2024 our members once again reported higher levels of product and service satisfaction than those of other eligible insurers.
Looking for a different type of Car Insurance?
We're here to help
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Call us
Monday to Friday, 8am to 6pm
Saturday, 9am to 12pm -
Enquire online
Send us a message and we'll contact you -
Find a shop
Drop in and chat face-to-face -
Frequently asked questions
Visit our Help Centre for answers to FAQs, key documents and more
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.