Bupa Car Insurance

Need flexible car insurance? Compare the range of options available from Bupa.

Updated Apr 29, 2020

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Whether you want comprehensive protection for your vehicle or a more basic, affordable level of cover, Bupa's Car Insurance offers three policies to suit a variety of cover needs. Issued by CGU Insurance, Bupa’s range of policies are backed by flexible features such as your choice of repairer, discounts for Bupa members and 24/7 claims assistance.

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What cover options are available?

Bupa Comprehensive Cover

Comprehensive cover. Bupa comprehensive car insurance provides high-level cover for damage and loss to your car caused by accidents, fire, storm, flood, theft, attempted theft and vandalism. This includes new car replacement on vehicles up to three years old, while $30 million of legal liability cover is included in case the use of your vehicle causes damage to someone else’s vehicle or property.

Covers accidental damage, storm, flood, fire, theft and vandalism
New car replacement on vehicles less than three years old
Your choice of repairer
$30 million legal liability cover
Australia-wide cover

Choice of agreed or market value
No-claims bonus protection
Low-kilometre discount options
Windscreen cover
24/7 claims assistance

Bupa Third Party Fire and Theft Cover

Third party fire and theft. Bupa third party fire and theft car insurance is designed to provide peace of mind when your vehicle causes loss or damage to someone else’s car or property, with $30 million of liability cover provided. It also offers protection for your car against fire and theft, including Australia-wide cover and your choice of repairer.

$30 million legal liability cover
Covers loss and damage caused by fire and theft
Nominated driver option
Hire car after theft

Your choice of repairer
$5,000 cover for uninsured motorist damage
Australia-wide cover
24/7 claims assistance

Bupa Third Party Property Damage Cover

Third party property damage. Bupa third party property damage car insurance is a budget cover option that provides up to $30 million legal liability protection when your car causes damage to someone else’s property or vehicle. It also includes up to $5,000 cover for uninsured motorist damage and allows you to choose your repairer.

$30 million legal liability cover
Your choice of repairer
$5,000 cover for uninsured motorist damage

Nominated driver option
Australia-wide cover
24/7 claims assistance

	Comprehensive	Third Party Fire & Theft	Third Party Property Damage
Australia-wide cover	Yes	Yes	Yes
Nominated driver option	Yes	Yes	Yes
Nominated driver low km option	Yes	No	No
Choice of agreed or market value	Yes	No	No
No claim bonus protection	Yes	No	No
Windscreen cover	Yes	No	No
Personal items	Yes	No	No
Replacing your vehicle after a total loss	Yes	No	No
Trailer attached to a vehicle	Yes	No	No
Baby capsules and child seats	Yes	No	No
Emergency or temporary repairs	Yes	Yes	No
Recording of locks and barrels after key theft	Yes	Yes	No
Choice of repairer	Yes	Yes	Yes
Uninsured motorist damage	Yes	Yes	Yes
Hire care after theft	Yes	Yes	No
Hire car after an incident	Yes	No	No
$30 million ability cover	Yes	Yes	Yes

What is the excess and what does it do?

When you make a claim on your Bupa Car Insurance policy, you may be required to pay an excess. This is the amount you are required to contribute towards the cost of a claim, and the insurer will let you know when an excess is payable.

There are four types of excesses that may apply to your policy:

Basic excess. This excess amount varies based on the make and model of your vehicle and the state or territory in which you live.
Age excess. You’ll need to pay the age excess when the driver of your vehicle at the time of an incident is less than 25 years old.
Inexperienced driver’s excess. This excess applies when the driver of your vehicle is 25 years or older but has not held a driver’s licence for the two consecutive years before your claim.
Additional excess. This excess is payable when the insurer has agreed to cover your vehicle or any authorised driver under special terms.

How can I save money on my policy?

Keep the following tips in mind to help reduce the cost of your Bupa Car Insurance premiums:

Choose a Nominated Driver policy. Premiums on these policies are calculated on the basis that your car will only be driven by no more than two nominated drivers, both of whom are 25 years of age or older.
Choose a Nominated Driver Low kilometre policy. Premiums on these policies are calculated on the same basis as the Nominated Driver policy above, but also on the assumption that your car will be driven no more than 10,000km during the period of insurance.
Choose a lower level of cover. Third Party Property Damage and Third Party Fire and Theft policies are more affordable than Comprehensive Cover.
Discounts for Bupa members. Bupa Health Insurance members can enjoy 10% discounts off their car insurance premiums.

How do I make a claim with Bupa?

The Bupa Car Insurance claims line is open 24 hours a day, 7 days a week. To make a claim, phone the insurer on 132 480 and provide full details of the incident, including:

Your name and policy number
A detailed description of the incident, including where and when it occurred
Details of the loss, damage or liability, including photographic evidence where possible
The contact details of anyone else involved in the incident, including other drivers and witnesses
A police incident number (if applicable)

When you phone up to lodge your claim you will be assigned a dedicated claims consultant. He or she will be able to offer advice on what you need to do, answer any questions you may have, and guide you through the process one step at a time.

Some final questions you might have

Your Bupa Car Insurance claim will not be paid if:
It is for the reduction in value of your vehicle due to its age or condition
It is for the cost of repairing or replacing parts that have failed or broken down
It is for rust or corrosion
It is for tyre damage caused by braking or by punctures, cuts or bursts
It is for any loss, damage or liability that occurs outside Australia
It is for loss, damage or liability deliberately caused by you, a family member, a nominated driver or an authorised driver
The driver of your vehicle was under the influence of alcohol or drugs
You have chosen a Nominated Driver or a Nominated Driver Low Kilometre policy and your vehicle was being driven by someone under the age of 25
Your vehicle was being used for an unlawful purpose, or a purpose other than that for which it was designed
Your vehicle was being used for hire or to carry passengers for reward
Your vehicle was being used for any kind of motor sport
Your claim arises due to the lawful destruction or confiscation of your property
Your vehicle was being driven in an unsafe condition
Your vehicle was being driven by an unlicensed driver
Your vehicle was being driven while unregistered
Your vehicle was damaged in an incident and you did not take reasonable steps to prevent further loss or damage

Bupa Car Insurance is well worth a look if you’re looking for competitive cover with your vehicle. However, make sure to compare it with a range of other policies before deciding on the right cover for you.

Thank you for your feedback!

Alexandra Koster

Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.

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Bupa Car Insurance

Need flexible car insurance? Compare the range of options available from Bupa.

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