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Bank of Queensland Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Maximum no claim discount
up to 65%
Online discount
Choice of repairer

Mozo editorial review Bank of Queensland Comprehensive Car Insurance - last updated: 14 January 2021

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What's hot
  • No claims bonus up to a massive 65%
  • New-for-old car replacement (within 2 years rego)
  • Monthly premium repayments at no extra cost
What's not
  • No rideshare cover
Mozo snapshot

Bank of Queensland’s comprehensive car insurance is designed to put your mind at ease. It has extensive coverage for your wheels and bits and bobs inside your car with generous specified limits. You’ll also be set up for a seamless 24/7 claim process and post-accident support with things like towing, travel and accommodation costs included in this policy. Plus, there are great discounts that’ll cut down your premium to help make this policy fit your budget.

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Key features

Let’s start with that impressive 65% no claims bonus. You can slash car insurance costs by proving you’ve held a policy for four years or more without making a claim. This comes with an extra gravy dollop in the form of glass repairs or any not-at-fault incidents not impacting your discount. On top of this, you may be eligible for a loyalty discount of 5% depending on how long you stick with BOQ car insurance.

Now for what’s covered. As you’d expect, standard accidental damage to your car and other people’s property and vehicles is included, as well as damages caused by theft, fire and lightning. 

Up to $750 of your own property in the car and $500 for baby seats or capsules is also included, and you’ll be sorted for reasonable towing costs, essential repairs to get you back on the road and emergency accommodation and travel costs (up to $500). BOQ will also fit you out with a hire car after a theft or not-at-fault accident (up to $1,500 or 14 days).

If you enjoy payment flexibility, you’ll be pleased to know monthly premium payments are available at no extra cost. However, if you use your car as a driver in a rideshare service like Uber or Car Next Door your cover will be voided.

Who is it good for

Anyone who prizes their ride but also has a clean driving history so they can take advantage of BOQ’s generous no claims bonus.

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Any catches

Don’t forget you’re not covered as a rideshare driver under this policy. Also keep an eye out for young, inexperienced and undisclosed driver excesses (plus combinations of each). Depending on which state you live in, these additional excesses can range from $300 to $1,500.


Rates and fees information correct as at 28 June 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses


$100 - $2,000

Depending on state between $300 and $700 for listed drivers under 25, $1,500 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

65% (TAS)
65% (NT)
65% (SA)
65% (QLD)
65% (ACT)
65% (WA)
65% (VIC)
65% (NSW)




Must be over 25, be on maximum No Claim Discount with us for 3 years, plus not have incurred any penalty claims for the previous 3 years.

Loyalty bonus 5% with various conditions

Service features




Lifetime No Claim Bonus available to customers who are over 25 years of age, have been insured with Bank of Queensland for 3 consecutive years on the maximum No Claim Bonus and have not had any penalty claims in those 3 years.


Coverage summary

Agreed or Market

Yes - within 2 years of original registration

Up to $750

Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.


Reasonable towing costs and accommodation costs if greater than 100 km from home up to $1,000. Up to $250 travel costs.

Yes - Up to 14 days

Not at fault - Yes. At fault - Optional Extra up to 14 days, max $80 per day.

Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.

Up to $1,500

Up to $1,000 if stolen.

Up to $500

Covered only if agreed in writing.

$5,000 within 12 months of accident.


Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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