Third Party Fire & Theft

In-between car insurance, to cover various types of damage.

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PD Insurance is a proud finalist of the 2021 Finder Awards for Car Insurance!

We’re committed to providing you with affordable cover that suits your needs.

Get 15% off^ your first year’s premium!

Third Party Fire and Theft

Third Party Fire and Theft car insurance is our mid-range car insurance cover.

It’s designed for drivers who don’t want comprehensive car insurance but need to go beyond basic benefits. Third Party Fire and Theft car insurance is often chosen by Australians who own older cars of lower value.

This simple car insurance gives you a soft landing with cover for accidental damage you cause with your car to other people’s vehicles or property. It also protects you against theft or fire damage to your car.

Our Exclusive Driver discount applies here too, as do our other valuable discounts.

Your Discounts

Protecting your wheels doesn’t need to be expensive.
With Third Party Fire and Theft car insurance, PD Insurance offers several discounts alongside a range of benefits.

Exclusive Driver Discount

If you’re the only driver of your car, you’ll qualify for our Exclusive Driver Discount.

Claims Free

If you’ve had no claims in the last five years, you’ll qualify for our Claims Free Discount.

Annual Payment Discount

If you pay your entire premium upfront, you’ll qualify for our Annual Payment Discount.

Early Shopper Discount

An Early Shopper Discount could be yours if you get a quote before your existing policy expires.

Your Included Benefits


Accident Damage

Loss or damage to other people’s cars or property caused by a covered event.


Legal Liability

Legal liability (up to $20 million) for damage to someone else’s car or property.



Loss or damage cause by theft or attempted theft.


Hire Car

A hire car if your car is stolen.

Your Optional Benefits

Extend your Third Party Fire and Theft coverage with the optional extras that matter to you.

Roadside Assist

24/7 Roadside Assistance from $89/year#.

Excess Buster

Our most popular add-on. In the event you need to pay a basic excess, we pay it for you instead (once per year).

Pet Insurance

Do you know we also do Pet Insurance?
You can get up to 3 months FREE when you buy online, so why not get a quote today!*

car insurance quotes online

Frequently Asked Questions

Since PD Insurance is an online-focused business, the creation of an online account is part of your policy purchase process. As you buy a policy from PD, we’ll get you set up with an online member account by simply asking you to establish a policy email and password, each used to login to your account. If you ever forget them, don’t worry – it’s really easy to have them reset by visiting the login page and following prompts. All your adjustments will be done from this online account, and that means collectively we keep costs and your premiums lower.

PD Insurance accepts Visa® and Mastercard® credit or debit card only. This allows us to confirm your payment on the spot, plus it helps reduce our administration costs so we can pass the savings on to you in the form of lower premiums and no fees.

Yes, our Car Cover Policy for both Comprehensive and Third Party Fire and Theft offer a Towing and Storage Benefit

  • You may call our claims department directly on 1800 776 473 for immediate assistance.
  • You can also lodge your claim online at pd.com.au.

For more information about our Towing and Storage Benefit or Claims Process, please refer to our Product Disclosure Statement.

Instead of pricing according to your current insurer’s NCB, we set up a profile based on the claims history of each driver. This way, our safe drivers receive a highly competitive rate based on their safer risk profile.

For more information about No Claims Bonuses, please review the ‘How we determine your premium’ section in our Product Disclosure Statement

We always offer each member the best possible PD Insurance premium based on their individual needs and circumstances. Interested in the specific discounts we offer? See above for more information on how you can save.

Our Blog

Discounts apply for new car policies only. We reserve the right to change the offer without notice. Base rate premiums subject to change. It does not apply to any renewal offer of insurance.

Terms and Conditions apply. Please see here for details.

The persons and vehicles shown in photographs on this website are stock photography. They are not insured members or necessarily depict insurable scenarios.

One Month Free only relates to Pet Insurance.

*The full terms and conditions of this offer can be found here.

How would you, like to proceed?

How would you, like to proceed?