Bupa Car Insurance

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

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.

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

ComprehensiveThird Party Fire & TheftThird 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

Is there a cooling-off period?

Yes, a 21-day cooling-off period applies to Bupa Car Insurance.

Is my car covered when someone else drives it?

Yes, Bupa provides cover when your car is driven by someone you have given permission to use your vehicle. However, if you have chosen a Nominated Driver policy, no cover is provided if the driver is under 25 years of age.

When is new car replacement available?

Bupa Comprehensive Car Insurance provides new car replacement when your vehicle is a total loss, is less than three years old and has driven less than 50,000km.

Am I allowed to choose my own repairer?

Yes, Bupa policies give you the freedom to choose the repairer you want.

Who is the issuer of Bupa Car Insurance?

Bupa’s car insurance policies are issued by CGU Insurance Limited.

General exclusions to be aware of

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.

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