this is from nrma website .. We’ll take care of things when your car suffers loss or damage due to fire. We’ll also cover you for any damage done by thieves.* So, while some things are out of your control, they can still be quickly put back in order. *Theft and fire cover is limited to a maximum of $10,000 or the market value of your motor vehicle (whichever is less).
and the 5 grand is Uninsured motorist damage
If you’re in a collision with someone without insurance, but they’re at fault and you have their details, we’ll pay for the damage to your car up to $5000.