GIO third party car insurance is the “I’ll-fix-the-thing-I-hit” kind, not the “fix my own bingle” kind.
Third Party Property Damage typically covers damage you cause to other people’s cars and property; step up to Third Party Fire & Theft if you want cover for your car being stolen or set alight, but still not for crash damage to your own pride and joy.
It’s separate from compulsory CTP (your rego’s injury cover), which looks after people, not panels.
Expect an excess, optional extras, and premiums that change with driver profile, postcode, and car—so compare the PDS and shop around before you hand over the bickies.
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