Choose RACQ Third Party Property Damage Insurance

Get the basics right and be covered for unintentional damage to someone else’s car.

  • Covers you for the cost of damage to other people's property if you cause an accident
  • Get up to $5,000 for loss or damage to your car caused by an at-fault uninsured third-party
  • Enjoy member benefits tailored to Queenslanders
  • Save up to 5% off each eligible insurance policy when a policyholder has three or more qualifying RACQ policies

Get your quote

What does my RACQ Third Party Property Damage Insurance cover?

For full details of what’s included in RACQ Third Party Property Damage Insurance, see our Product Disclosure Statement (PDS), any applicable Supplementary PDS and Target Market Determinations. 

  • shaking-hands
    Up to $20 million when your car causes damage to other people’s property
  • umbrella
    Damage to someone else’s property caused by your vehicle, or by towing a trailer or caravan with your vehicle
  • front-of-car
    Up to $5,000 for loss or damage to your car in an incident where the third party driver at fault is uninsured

Why choose RACQ?

  • callcentre-person
    Our Queensland-based team are here when you need us – click, call or visit us in store. 
  • person-next-to-racq-logo
    You become an RACQ member when you take out RACQ Third Party Property Damage Insurance. 
  • hand-holding-dollar-sign
    We’re a mutual organisation. We serve our members and their communities, not shareholders. 

Award-winning insurance

RACQ are the proud winner of the 2024 Canstar Most Satisfied Customers – Car Insurance Queensland award, plus the 2023 Mozo People’s Choice Award for Outstanding Customer Satisfaction and the 2023 Mozo People's Choice Award for Most Recommended for Car Insurance in Queensland.

CANSTAR 2024 - Most Satisfied Customers - Car Insurance - QLD

Your RACQ membership is packed with perks~~

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Drive down prices with RACQ member discounts
Take 5% off the price of parts and accessories at your local Repco store.
Learn more
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Free up your transport budget
Take 4 cents per litre off when you fill up at participating Caltex service stations.#
Learn more
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Get $25 off windscreen replacement
Book an in-store or mobile windscreen service and save.
Learn more
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RACQ Car Buying Service
Take the hassle out of finding a new vehicle. Our car buying service is free for RACQ members.~~
Learn more

Manage your car insurance

tap-and-go-cardsRenew your insurance
car-with-spark-circle-symbolMake a claim
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Contact us

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Third party property damage insurance FAQs

Help centre

Learn more about car insurance

Things to note

Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a purchase decision on this product. You can also access our Target Market Determinations on this website.

For policies effective from 9 December 2024, Third Party Property Damage Insurance is the new name for Third Party Liability Car Insurance.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

#Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit racq.com/caltex for details.