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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


  • 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.
  • QBE was highly commended in the 2023 Car Insurance Customer Satisfaction Awards with Australians rating it 4.22/5 stars.
  • QBE won the 2023 Green Insurer of the Year due to its low operational emissions and strong targets.


  • 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.

PGreen Insurer Winner

How does QBE compare with other car insurers?

As part of our 2023 Car Insurance Awards, we compared 640 features and got 1,000+ quotes across 37 comprehensive car insurance policies. Here's how QBE performed next to other popular insurers.


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.

1 - 5 of 5
Name Product Choice of repairer New car replacement Roadside assistance Hail, storm and flood damage
QBE Comprehensive
Green Company
QBE Comprehensive
Yes - If your car is written off in the first 3 years and is under 60,000 km
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Budget Direct Comprehensive
Yes - If your car is written off in the first 2 years and has not travelled more than 40,000km
Finder's summary: The 2023 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Youi Comprehensive
Yes - If your car is written off or stolen in the first 2 years
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
NRMA Comprehensive
Yes - If your car is written off in the first 2 years
AAMI Comprehensive Car Insurance
Yes - If your car is written off or stolen in the first 2 years
Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.


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.

InsurerNSWQLDSATASVICWAAustralia averageApply
QBE Logo$3,095$1,593$1,861$1,664$2,189$2,085$2,081Get quote
Budget Direct Logo$1,280$921$940$861$1,164$857$1,004Get quote
youi$1,418$1,147$946$877$1,467$1,068$1,154Get quote
NRMA logo$1,972$1,108$1,009$878N/A$1,052$1,204More info
AAMI$1,533$912$874$811$1,054$816$1,000More info

About our car insurance methodology

2023 Customer Satisfaction rating

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.
Brand Overall satisfaction rating
Youi car insurance ★★★★★ 4.38/5
Everyday car insurance ★★★★★ 4.36/5
AAMI car insurance ★★★★★ 4.32/5
Budget Direct car insurance ★★★★★ 4.32/5
QBE car insurance ★★★★★ 4.22/5

Save $75 on new comprehensive car insurance

Verified 3 days ago
Buy online and save up to $75. T&Cs apply.

Well done, QBE

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.

Full list of 2023 winners

QBE policy options

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.

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FAQs about QBE car insurance

  1. QBE car insurance PDS (accessed July 2023)
  2. Finder Awards Car Insurance 2023
  3. Finder Car Insurance Customer Satisfaction Awards 2023

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