In Victoria, “third party” via VicRoads is actually CTP cover provided by the TAC, bundled into your rego fees, not something you buy separately.
It covers injuries to people from transport accidents—drivers, passengers, pedestrians—not damage to cars, fences, or your dignity.
For your car-versus-letterbox moments, you’ll want Third Party Property, Third Party Fire & Theft, or Comprehensive from a private insurer.
VicRoads handles rego and licensing admin; the TAC handles the injury cover; insurers handle the panel beaters and polite hold music.
So pay your rego for the TAC bit, then grab a property/comp policy if you’d like to avoid funding a stranger’s new garage door.
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