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.
If your car is written off in the first 3 years and is under 60,000 km, QBE's comprehensive policy includes a new car replacement. This is better than other insurers that typically cap this benefit at 2 years or 40,000km.
It has higher benefit limits than many other insurers. Specifically, its legal liability and personal effects limits.
Emergency accommodation is covered for up to $1,000 - this is double some other insurers.
Cons
QBE is consistently one of the most expensive car insurance providers.
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.
Comparison of QBE car insurance policies
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Finder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
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.
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.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year.
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James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).
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