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QBE car insurance review
Green Company
QBE is a reputable car insurer and has won awards for its green initiatives and customer service. However, it is more expensive than many of its competitors.
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Our verdict
Pros
QBE's comprehensive policy includes a new car replacement if yours is written off within the first 3 years of its registration and has been driven less than 60,000km. This is better than other insurers that typically cap this benefit at 2 years or 40,000km.
In our research of 37 providers, QBE's comprehensive policy was one of the top 3 most expensive on average.
For an expensive policy, its inclusions are average. For example, it does not include roadside assistance. This would cost an additional $100 per year. Youi on the other hand does include roadside assistance and is cheaper on average.
QBE's product disclosure statement (PDS) includes vague details around policy limits, such as "reasonable costs". This makes it difficult to understand what monetary limits actually apply to certain benefits in the policy including towing and storage costs.
Green Insurer of the Year 2023
QBE is also our Finder Green Awards winner this year. A portion of your premiums go towards a social or environmental cause and it's on target to be a net-zero emissions organisation by 2030.
QBE's comprehensive policy coverage is very competitive. Its features limits are higher than other insurers. For example, it includes up to $30 million in legal liability cover while most other insurers only cover up to $20 million. It also includes up to $1,000 in personal effects cover while other insurers only cover up to $500 or $750. Limits, exclusions and T&Cs apply. Read the PDS.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
According to our research, QBE is one of the more expensive providers. On average, a comprehensive policy costs around $2,084. Reputable providers like Budget Direct, Youi, NRMA and Allianz all came in cheaper than this. For some, QBE's extensive features coverage may make it a worthwhile cost – it depends on what your priorities are when looking for a car insurance policy. See below for how QBE's average cost stacks up against other providers.
Each year, our experts and insights team asks Australians to score their car insurance provider. As part of the Car Insurance Customer Satisfaction Awards for 2023, we asked over 5,700 Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the 15+ insurers scored, these were the top 5. See our methodology for how each provider was scored.
QBE car insurance ranked in third place in SA for Customer Satisfaction in 2023, gaining an overall score of 4.43/5. 92% of customers said they would recommend the car insurer to a friend.
This policy offers the highest level of protection available from QBE. Cover includes:
Accident damage, fire and theft.
3-year new car replacement.
Hire car after an accident where you're not at fault.
Lifetime repair guarantee.
Up to $30,000,000 for damage to other people's property.
Under this policy, your car is covered for the following:
Up to $30,000,000 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. The maximum QBE will cover your car for under this policy is $10,000.
What additional cover options are available?
Hire car – extra: A hire car for other incidents where the claim has been accepted. It's worth noting, a hire car following a not-at-fault accident is already covered as standard so this benefit refers to other circumstances where a hire car is needed.
No excess windscreen cover: If your windscreen needs to be replaced then you won't need to pay an excess under this option. The standard inclusion for "no excess windscreen repair" may only be valid if the windscreen can be repaired, not if it needs replacing.
Choice of repairer: With this optional extra, you can choose where you'd like your car to be repaired in the event of a claimable incident.
Why you can trust Finder's car insurance experts
We're free
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
FAQs about QBE car insurance
QBE clearly lays out all exclusions in its PDS. Be sure to read this to understand what you're not covered for or what it will not pay a claim for.
There are 4 different types of car insurance excesses in QBE's comprehensive policy:
Basic excess
Age excess
Additional policy excess
Additional driver excess
To best understand how each of them works, refer to the PDS or contact QBE for any specific questions.
You can either lodge your claim online or call QBE on 133 723. It will let you know what kind of documentation is needed to complete the claim.
QBE car insurance PDS (accessed July 2023)
Finder Awards Car Insurance 2023
Finder Car Insurance Customer Satisfaction Awards 2023
Peta Taylor is an associate publisher at Finder, specialising in car insurance. She's been analysing product disclosure statements and publishing articles for car insurance for over a year. Peta has a Bachelor of Communications and Media Studies with a Major in Marketing from the University of Wollongong and a Cert IV in Media Journalism. Peta is part of Finder's car insurance awards team and works alongside editorial and insights experts to bring drivers the best in car insurance products every year.
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