Third-party car insurance in Australia typically refers to Third Party Property Damage (TPPD) insurance, which covers the cost of damage you accidentally cause to other people's vehicles, property, or public infrastructure while driving. It stands distinctly apart from Compulsory Third Party (CTP) insurance, which is legally tied to vehicle registration and exclusively covers bodily injuries or fatalities resulting from a crash. Standard third-party property policies do not pay for any repairs to your own car if you are at fault, though many modern providers offer optional extensions or limited protection if your vehicle is struck by an identified uninsured driver.
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