Want to make sure you’re covered if you damage someone else’s vehicle or property in a car accident that’s your fault? See if Youi’s Third Party Property Only car insurance – sometimes referred to as “Third Party Property” insurance or “Third Party” insurance – is a good fit for you. Start a quote AWARD-WINNING INSURANCE Youi won Finder's 2026 National Car Insurance Provider of the Year. What is Third Party Property car insurance? Maybe it’s a moment of distraction or a tight reverse park. Either way, accidents happen – and Third Party car insurance helps cover the damage you cause to someone else’s car or property. So why choose Youi for your Third Party Property Only insurance? For starters, our policy also includes limited cover if an uninsured driver causes accidental damage to your car, 1 plus some temporary cover if you replace your insured car. 2 So why choose Youi for your Third Party Property Only insurance? For starters, our policy also includes limited cover if an uninsured driver causes accidental damage to your car, 1 plus some temporary cover if you replace your insured car. 2 So why choose Youi for your Third Party Property Only insurance? For starters, our policy also includes limited cover if an uninsured driver causes accidental damage to your car, 1 plus some temporary cover if you replace your insured car. 2 24/7 claims lodgement Accidents don’t wait – and you shouldn’t have to either. You can lodge and track your Third Party insurance claim online, day or night. Calls answered fast On average, we aim to answer phone calls in around 30 seconds so if you need to talk to us about your Third Party insurance, you won’t be left waiting. 3 Award-winning insurance We think great service matters and it turns out a lot of Australians do too. It’s why we were awarded WeMoney’s Car Insurer of the Year for 2025. What does our Third Party Property car insurance cover? Legal liability Our Third Party Property car insurance covers up to $20 million in legal liability if you cause damage to someone else’s property in an accident that’s your fault. Cover for accidents caused by uninsured drivers Accidents are stressful enough without the worry of what happens when the other party is uninsured. So, if an uninsured driver is entirely at fault and you can provide us with the required details, we’ll cover up to $5,000 of damage to your car after excess. 1 Temporary replacement cover When you sell or give away your car and replace it with another, we’ll transfer your cover across to your replacement car for up to 14 days after you’ve sold or given away the old one. 2 Counselling services Your wellbeing matters. That’s why our Third Party property damage car insurance reimburses up to $1,500 per person for counselling for you, listed drivers and household members after an accepted claim. Legal liability Our Third Party Property car insurance covers up to $20 million in legal liability if you cause damage to someone else’s property in an accident that’s your fault. Cover for accidents caused by uninsured drivers Accidents are stressful enough without the worry of what happens when the other party is uninsured. So, if an uninsured driver is entirely at fault and you can provide us with the required details, we’ll cover up to $5,000 of damage to your car after excess. 1 Temporary replacement cover When you sell or give away your car and replace it with another, we’ll transfer your cover across to your replacement car for up to 14 days after you’ve sold or given away the old one. 2 Counselling services Your wellbeing matters. That’s why our Third Party property damage car insurance reimburses up to $1,500 per person for counselling for you, listed drivers and household members after an accepted claim. What’s not covered At Youi, we believe in making insurance easier to understand – which includes being upfront about what isn’t included in our Third Party Property insurance. For the full list of exclusions, see the Product Disclosure Statement . Intentional damage Intentional damage to your car isn’t covered. Storm, hail and flood Your vehicle won’t be covered for damage from storms or floods, including hail damage. Cover for fire damage to your car isn’t included. We won’t cover the costs of repairing or replacing your car if it’s stolen. Accidental damage The cost of repairing or replacing your car due to accidental damage won’t be covered, except in very limited circumstances – see “Cover for accidents caused by uninsured drivers” above. Personal injury related costs to third parties If someone’s hurt in an accident and you’re at fault, our Third Party Property insurance policy won’t cover injury costs. That’s what mandatory Compulsory Third Party (CTP) insurance is for. 4 Intentional damage Intentional damage to your car isn’t covered. Storm, hail and flood Your vehicle won’t be covered for damage from storms or floods, including hail damage. Cover for fire damage to your car isn’t included. We won’t cover the costs of repairing or replacing your car if it’s stolen. Accidental damage The cost of repairing or replacing your car due to accidental damage won’t be covered, except in very limited circumstances – see “Cover for accidents caused by uninsured drivers” above. Personal injury related costs to third parties If someone’s hurt in an accident and you’re at fault, our Third Party Property insurance policy won’t cover injury costs. That’s what mandatory Compulsory Third Party (CTP) insurance is for. 4 Looking for CTP insurance? We do that too. Want to cover your car as well? If you need a policy that covers more than just damage to someone else’s car or property, you might like to check out our broader car insurance options too. Here’s how the options compare: Comprehensive car insurance Covers accidental damage to your car and other people’s cars or property, even if the accident was your fault, as well as intentional damage, theft, damage caused by fire or some severe weather events, and more. 5,6 Third Party Fire and Theft car insurance Covers your car if it’s stolen, damaged by fire, or if you accidentally damage someone else’s car or property in an accident. 7 Third Party Property Only insurance Cover if you accidentally damage someone else’s car or property in a motor accident. 7 Compulsory Third Party (CTP) insurance Mandatory cover for drivers if personal injury or death occurs in a motor accident caused by your car. Regardless of where you live in Australia, you need CTP insurance to register your vehicle. 4 What you’ll need to get a Third Party Property 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. We’ll ask you how old you are, the type of driver’s licence you have, and some other questions. If you want anyone else included as a listed driver on your policy, even if they’re a learner driver, we’ll grab the same information about them too. Details of how you use your car For example, 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 details such as whether it’s parked in a garage, under a carport or on the street, also helps us determine your car insurance premium. 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. We’ll ask you how old you are, the type of driver’s licence you have, and some other questions. If you want anyone else included as a listed driver on your policy, even if they’re a learner driver, we’ll grab the same information about them too. Details of how you use your car For example, 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 details such 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 Property car insurance FAQs If you’ve got questions about our Third Party property damage car insurance, you might find the answers you’re looking for here. 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 – also known as a Green Slip in New South Wales – is legally required in every Australian state and territory. It covers injuries or fatalities caused to other people in a car accident.4 Looking for CTP in SA , or for NSW CTP ‘Green Slip’ insurance ? We’ve got you covered. 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 – also known as a Green Slip in New South Wales – is legally required in every Australian state and territory. It covers injuries or fatalities caused to other people in a car accident.4 Looking for CTP in SA , or for NSW CTP ‘Green Slip’ insurance ? We’ve got you covered. Compulsory Third Party (CTP) insurance – also known as a Green Slip in New South Wales – is legally required in every Australian state and territory. It covers injuries or fatalities caused to other people in a car accident.4 Looking for CTP in SA , or for NSW CTP ‘Green Slip’ insurance ? We’ve got you covered. Looking for CTP in SA , or for NSW CTP ‘Green Slip’ insurance ? We’ve got you covered. 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. 1 You may be eligible for up to $5,000 – after excess – if an uninsured driver damages your car and is at fault . 1 You’ll need to provide the other driver’s name and phone number, as well as one of the following – address, driver’s licence number or the registration number of their vehicle – when you make a claim. However, Youi’s Third Party Property policy includes limited cover for damage to your car if an uninsured driver is at fault. 1 You may be eligible for up to $5,000 – after excess – if an uninsured driver damages your car and is at fault . 1 You’ll need to provide the other driver’s name and phone number, as well as one of the following – address, driver’s licence number or the registration number of their vehicle – when you make a claim. 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. 1 Comprehensive car insurance offers broader coverage, including damage to your own car and events such as accidents – whether you’re at fault or not – intentional damage, hail damage , some natural disasters, storms, fire, theft and more. 5,6 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. 1 Comprehensive car insurance offers broader coverage, including damage to your own car and events such as accidents – whether you’re at fault or not – intentional damage, hail damage , some natural disasters, storms, fire, theft and more. 5,6 Comprehensive car insurance offers broader coverage, including damage to your own car and events such as accidents – whether you’re at fault or not – intentional damage, hail damage , some natural disasters, storms, fire, theft and more. 5,6 No. Compulsory Third Party (CTP) insurance covers injuries or fatalities caused to other people in a car accident. It’s legally required in every Australian state and territory. 4 Third Party Property insurance is optional rather than mandatory and covers damage to someone else’s vehicle or property in an accident that’s your fault. Third Party Property insurance is optional rather than mandatory and covers damage to someone else’s vehicle or property in an accident that’s your fault. To calculate the cost of Third Party Property car insurance, insurers – including Youi – look at a range of factors. These may include your age, driving history and any accrued 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. You can read more on the factors that can impact your car insurance premium or how much car insurance costs. Or, for an accurate price of Third Party Property insurance, consider starting a quote with Youi. You can read more on the factors that can impact your car insurance premium or how much car insurance costs. Or, for an accurate price of Third Party Property insurance, consider starting a quote with Youi. At Youi, you can make a claim under your Third Party Property Only car insurance policy using our app or online claims portal any time of day or night, or by phoning us on 13 YOUI (9684) . Yes – most Third Party Property insurance claims 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. For more details, read our PDS or dive into everything you need to know about car insurance 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. For more details, read our PDS or dive into everything you need to know about car insurance excess . For more details, read our PDS or dive into everything you need to know about car insurance excess . It depends whose fault the accident was. If you weren’t at fault and someone else caused the accident, they may be liable for any damage to your car. On the other hand, if the accident was your fault, you may be liable for covering the cost of any damage caused to someone else’s car or property. Our Third Party Property car insurance covers up to $20 million in legal liability if an accident that’s your fault causes damage to a third party’s property or vehicle. 7 On the other hand, if the accident was your fault, you may be liable for covering the cost of any damage caused to someone else’s car or property. Our Third Party Property car insurance covers up to $20 million in legal liability if an accident that’s your fault causes damage to a third party’s property or vehicle. 7 Our Third Party Property car insurance covers up to $20 million in legal liability if an accident that’s your fault causes damage to a third party’s property or vehicle. 7 Yes – learner drivers are covered with Youi, as long as they’re supervised by a fully licensed driver. However, any claim involving a learner driver may attract a higher excess, depending on your policy and the learner driver's age. 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 . However, any claim involving a learner driver may attract a higher excess, depending on your policy and the learner driver's age. 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 . Driving with a learner? Read our guide on preparing your car for a learner driver . While Third Party Property Only car insurance only covers damage to other people’s property, Youi’s Third Party Property policy does include limited cover if your car is damaged in an accident where an uninsured driver is completely at fault. 1 If you can provide us with the required details, including the other driver’s name and phone number, as well as one of the following – address, driver’s licence number or the registration number of their vehicle – we’ll cover up to $5,000 of damage to your car after excess. 1 If you can provide us with the required details, including the other driver’s name and phone number, as well as one of the following – address, driver’s licence number or the registration number of their vehicle – we’ll cover up to $5,000 of damage to your car after excess. 1 If someone claims you caused damage to their vehicle or property, and you have a policy with Youi: Contact us and lodge a claim . Don’t admit fault or make any agreements directly. Once your claim is accepted, we’ll handle communication with the other party and cover damage up to your policy’s limit. Bear in mind that admitting fault too early may impact your claim. Contact us and lodge a claim . Don’t admit fault or make any agreements directly. Once your claim is accepted, we’ll handle communication with the other party and cover damage up to your policy’s limit. Don’t admit fault or make any agreements directly. Once your claim is accepted, we’ll handle communication with the other party and cover damage up to your policy’s limit. Once your claim is accepted, we’ll handle communication with the other party and cover damage up to your policy’s limit. Bear in mind that admitting fault too early may impact your claim. How to make a Third Party Property car 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 Third Party policy number and a few details about the incident. 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. 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. 3 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 Third Party policy number and a few details about the incident. 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. 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. 3 Third Party insurance guides Browse our collection of third party car insurance articles and go-to explainers to help you decide whether this type of car insurance cover is right for you. Third Party Car Insurance, Explained What Is CTP Insurance and Do You Actually Need It? Not-at-fault Car Accident Without Insurance: What Happens Next? 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 insurance. Excellent 4.7 / 5 from over 31,417 reviews. Here’s what people have been saying recently about Youi car insurance – including our Third Party insurance. Excellent 4.7 / 5 from over 31,417 reviews. Fantastic service Fantastic service, friendly, professional and saved over $200 for the year on my car insurance. 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. 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. 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 Car Insurance issued by Youi Pty Ltd. Consider the Car PDS and TMD to decide if this product is right for you. 1 Available with Third Party Fire & Theft and Third Party Property Only policies. The most we will pay for each claim is the lesser of the market value of the insured car or $5,000 after excess. Conditions apply. For full details, see the PDS. 2 Available with all levels of car insurance except CTP. Conditions and some exclusions apply. For full details, see the PDS 3 Refers to average call answer times for Customer Services, excluding calls to Youi Roadside Assist. 4 Source: Moneysmart – Choosing car insurance 5 Limits and exclusions apply. For full details, see the PDS. 6 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. 7 Conditions, limits and exclusions apply. For full details, see the PDS. 1 Available with Third Party Fire & Theft and Third Party Property Only policies. The most we will pay for each claim is the lesser of the market value of the insured car or $5,000 after excess. Conditions apply. For full details, see the PDS. 2 Available with all levels of car insurance except CTP. Conditions and some exclusions apply. For full details, see the PDS 3 Refers to average call answer times for Customer Services, excluding calls to Youi Roadside Assist. 4 Source: Moneysmart – Choosing car insurance 5 Limits and exclusions apply. For full details, see the PDS. 6 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. 7 Conditions, limits and exclusions apply. For full details, see the PDS. Need help with a quote? Have a question about your policy? Need to talk about a claim? We’re ready to listen. For Roadside call 13 11 17