Bank of Queensland Car Insurance Review

BOQ car insurance is administered by Honey Insurance, and policies starting or renewing from 1 October 2026 are underwritten by Zurich. It offers a comprehensive policy with comparatively strong policy limits on personal items, baby seats and trailers.

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Gary Ross Hunter

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James Martin

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Elizabeth Barry

Updated

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4.6 based on 835 reviews
BOQ car insurance is available to new customers. It's administered by Honey Insurance. Policies that start or renew on or after 1 October 2026 are underwritten by Zurich Australian Insurance Limited, while policies that started or renewed before then are underwritten by RACQ Insurance Limited.
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What policies are available?

Comprehensive

Bank of Queensland (BOQ) offers Comprehensive car insurance only. It covers:

  • Loss or damage to your car
  • Agreed Value
  • Baby capsules and child seats - up to $1,500
  • Changing your car - 14 days
  • Emergency accommodation or travel - up to $1,500
  • Emergency repairs - up to $1,500
  • Hire car after theft - up to $150 per day, for up to 21 days
  • Hire car after not at fault collision - up to $150 per day
  • Keys and locks - up to $1,500
  • Lifetime repair guarantee
  • New car replacement - up to 2 years
  • Personal effects - up to $1,500
  • Removal of debris
  • Towing and storage - up to $100 per day to a total of 30 days of storage
  • Trailer damage - up to $1,500
  • Third-party liability cover - up to $20,000,000
Optional add-ons

Drivers may choose to add the following options to their comprehensive policy:

  • Hire car after an incident - up to $150 per day, for up to 21 days
  • No excess glass repairs - 1 claim for window glass with no excess

What excesses apply?

The excess is the amount you've agreed to pay when you have to make a claim. These include:

  • Basic excess: This applies to all claims.
  • Listed inexperienced driver excess: This applies if an incident occurs where the listed driver has not held a full or open Australian driver's licence for the preceding 5 consecutive years (this excludes learner licence).
  • Unlisted inexperienced driver excess: This applies if an incident occurs where the driver was unlisted and inexperienced per the definition above.

When does an excess not apply?

If you can prove someone else is entirely responsible for the accident, then the excess may not apply.

Making a claim with BOQ car insurance

Following an incident, you may need to lodge a claim. Here's how you can do so:

  1. Contact the insurer as soon as you can.
  2. Keep proof of any out-of-pocket expenses.
  3. The insurer will let you know if it requires any documents from you, be sure to send them across in a timely manner.
  4. Notify the insurer if you need a hire car.
  5. The insurer will assess your claim and let you know of the next steps. This may involve taking your car to a repairer to inspect the damage.
  6. Based on the assessment, the insurer will let you know the outcome. This will include any details of excesses payable and if any repairs or payment has been authorised for your car.

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To make sure you get accurate and helpful information, this guide has been edited by Elizabeth Barry as part of our fact-checking process.
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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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Gary Ross has written 521 Finder guides across topics including:
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James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

James's expertise
James has written 167 Finder guides across topics including:
  • Car, home, life, health, travel and pet insurance
  • Managing the cost of living
  • Money-saving tips
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