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When you own a car of any kind, whether it’s an exciting sportscar or just a humble runabout, it’s vital that you have the right insurance cover in place. From collisions and third-party damage to fire and theft, there are plenty of things that can go wrong on and off the road and end up costing you a pretty penny. This is where car insurance comes in, offering essential financial protection against a wide range of risks. With a history stretching back more than 125 years, QBE offers an extensive range of personal and business insurance solutions to Australian customers.
Green Insurer of the Year 2020
As part of the Finder Green Awards, we are pleased to announce QBE as our Green Insurer of the Year. It is clear that QBE is an insurance business taking their sustainability efforts seriously. Notably the company is sourcing more than 60% of their electricity from renewable sources, as well as committing to numerous external benchmarks such as CDP and DJSI.
Comparison of QBE car insurance policies
Find out more about QBE Car Insurance
QBE Car Insurance policy options
Comprehensive Car insurance
This policy offers the highest level of protection available from QBE. Cover includes:
- Accident damage, fire and theft
- Three year new car replacement
- Hire car after an accident where you're not at fault
- Lifetime repair guarantee
- Up to $30 million for damage to other people's property
Third Party Car insurance
Under this policy, your car is covered for the following:
- Up to $30 million for damage to other people's property
- Up to $5,000 for damage caused by an uninsured driver
- Cover for a change of car with cover automatically shifting to your new car for up to 14 days.
- You can upgrade your policy to include cover for fire and theft for up to $10,000.
|Benefit||Comprehensive||Third Party Property|
|Change of vehicle|
|Choice of repairer|
|Emergency accommodation and transport costs|
|Essential temporary repairs|
|Hire car following theft|
|Lifetime repair guarantee|
|New replacement vehicle|
|Replacement of keys and recoding of locks|
|Uninsured motorist benefit|
QBE excludes certain situations, circumstances from events. Your claim will not be paid by the insurer if:
- It is for theft or damage to your vehicle when it has been left unattended and unlocked in a public place.
- It is for theft by someone acting with your consent.
- It is for theft by a friend or prospective vehicle buyer after you have given them permission to use your car.
- It is for wear and tear, rust or corrosion.
- It relates to structural failure or mechanical or electrical breakdown.
- You have not taken all reasonable steps to prevent loss or damage.
- It is for damage to the tyres of your vehicle unless caused in an accident.
- It is for only your personal effects stolen from your vehicle without the vehicle itself being stolen.
- It is for theft or damage to a non-standard accessory not shown on the certificate of insurance.
- It is for consequential loss.
- It is for bodily injury or death to a family member.
- It is for any court-imposed fines or penalties.
- It is for damage to property owned by an insured person.
- The driver was under the influence of alcohol or drugs, or if they refused to submit to a drug or alcohol test.
- The vehicle does not meet the state’s registration requirements.
- The vehicle was being used for an unlawful purpose.
- The vehicle was being used on a race track or speedway.
- The vehicle was being used to carry passengers for hire, fare or reward and it's not disclosed on the certificate of insurance.
- The vehicle was being driven in an unsafe, un-roadworthy or overloaded condition.
- The claim arises due to an intentional malicious act by you or someone acting on your behalf.
- The claim relates to lawful seizure or repossession of your vehicle.
- The claim relates to acts of war or terrorism.
- Please remember that these are only a few examples and don't include all the circumstances.
The following factors will all influence the cost of your QBE Car insurance premium:
- The value of your car. The higher its agreed value, the higher the premium.
- The type of policy you choose.
- The year, make and model of your vehicle.
- Where you live and where your car is kept overnight.
- If you've made one or more claims on your policy in the last three years.
- Your age and the age of any other drivers.
- The driving and insurance history of you and any other drivers.
- Whether you have selected any optional benefits.
- The level of excess you choose.
- The frequency with which you decide to make your premium payments.
How does the excess work?
An excess is the amount you are required to pay towards an insurance claim. Under a QBE Car Insurance policy, you may have to pay one or more of the following excesses:
- Basic excess. The basic excess applies to all claims unless your claim is for a not-at-fault vehicle accident or you are claiming for malicious damage, theft or attempted theft and you can provide the full name and address of the person responsible or your claim is for the 'No Excess' Windscreen option.
- Age excess. This excess will apply if the driver is under the age of 25 at the time of the incident and they cause or contribute to that incident.
- An additional policy excess. This may apply depending on the insurance history of your car or its driver.
- An additional driver excess. This may apply because of the driver's details, including their insurance history.
How can I save on my QBE Car Insurance policy?
QBE offers a number of discounts and options that can reduce your premiums. These include:
- Choosing a higher excess. By increasing your excess, you can lower your premium for your comprehensive car insurance cover.
- Buy online. When you buy a Comprehensive Car insurance policy online you can save $75.
- Claims history. Your claims history is automatically taken into account when QBE determines your premium. If you haven't made a claim in a while, you'll likely receive a lower premium.
Call QBE on 133 723 to notify them of your claim. You’ll then typically be required to complete a claim form and provide any supporting documentation and information that QBE may require to process your claim.
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