Rates and fees verified as correct at 19 October, 2021. Other information correct at the time of writing. Advertiser disclosure.
|Product||Monthly premiums available||Maximum no claim discount||Online discount||Choice of repairer|
|Comprehensive Car Insurance|| |
Yes costs extra
|Go to site|
Qantas car insurance may be the new kid on the insurance block but it is underwritten by Auto & General, which has been operating in Australia since 2000. In fact, Auto & General underwrites multiple big insurance names, including Budget Direct, Virgin Money, 1300 Insurance and Macquarie.
Qantas has three types of car insurance:
As with all types of third party insurance, the first two types do not provide cover for damage done to your car, as the result of an accident. For this you will have to take out Qantas Insurance’s Comprehensive Cover policy.
Generally speaking, comprehensive car insurance is the highest level of cover you can get for your wheels. So as with most higher levels of car insurance, Qantas’ comprehensive plan covers damage to your own car from an accident and damage to other cars.
In a little more detail, Qantas's comprehensive car insurance policy covers:
The policy also has a number of optional extras, these include:
It should be noted that any optional extras you add on to your policy will up the overall cost of your premium.
Qantas roadside assistance comes in at an extra $1.60 a week. That’s $79.95 added on to your car insurance premium.
A lot of insurance companies offer roadside assistance as an optional extra, so most of the time you will have to pay a little bit extra for this service. Unless you want to be stranded in the middle of nowhere, you’ll most likely agree that it is worth it.
Qantas’ roadside assistance includes 24/7 assistance, plus access to a team of 2,800 roadside mechanics, so that you can get back on the road faster.
Qantas Comprehensive Car Insurance comes with a fairly straightforward no claims discount for driving safely.
To break that down, for each consecutive year that you do not make an at-fault claim, your no claims discount will increase by a certain percentage. Qantas’ no claims discount in particular works on a rating system.
Your discount can increase for a maximum of five years and each year that you are still eligible, your rating will be increased. Rating One is the highest rating you can achieve and the ratings are as follows:
Plus, if you were receiving a no claims discount from your previous provider, then Qantas may assign you one, based on your insurance and accident history.
Qantas offers two types of third party car insurance. These are third party property and third party fire and theft. Third party property only includes cover for:
Damage you cause to someone else’s car or property (up to $20 million)
Damage caused to your car by an uninsured driver (up to your car’s market value or $5,000, whichever is less)
Debris removal from your car at the scene of the accident, up to $500.
Third party property specifically does not cover damage done to your own car, towing, hire car costs or emergency transport.
One step up from third party property, third party fire and theft includes cover for:
Loss or damage done to your vehicle, as a result of fire or theft
Up to $20 million worth of legal liability for damage you cause to someone else’s car or property
Damage caused to your car by an uninsured driver (up to your car’s market value or a maximum of $5,000, whichever is less)
Reasonable costs for towing after a fire or theft
A hire car following a theft (Up to $1,000 with a limit of 14 days)
Up to $500 for debris removal.
Although this type of insurance does provide a little more cover than third party property, there are still some things that it will not insure you for. This includes new car replacement cover, hire car costs following a no-fault accident, cover for emergency transport and accommodation and cover for stolen or lost keys.
Qantas offers roadside assistance as an optional extra for both its third party property and third party fire and theft.
There are a few ways you can reduce your car insurance premium with Qantas. These include:
Applying the restricted driver age discount to your policy. With this you can potentially save money by restricting your insurance to drivers over a certain age. The higher the age you choose, the more you could save. For instance, over 21, over 25, over 30 or even over 40.
Opting for a higher excess to reduce your premium. This is only available with comprehensive policies. With this you can reduce your premium by opting for a higher excess amount.
Driving safely and keeping your no claims discount.
Adding the window glass excess optional extra onto your comprehensive policy. With this you can reduce your window glass excess to $40. Just keep in mind that this is an optional extra, so it will up the cost of your comprehensive car insurance premium.
Choosing to pay yearly rather than in instalments. Qantas does give you the option to pay either yearly or in monthly instalments. However, your total premium may be higher if you choose to pay monthly and Qantas will charge a fee.
Qantas’s car insurance comes with a 21-day money back guarantee from the date of purchase. That is if you haven’t made a claim in that time period.
As long as the work is done by an authorised repairer and you own the car, Qantas will back the work done. This includes if you choose one of Qantas’s partner repairers or if you have paid extra to have your choice of repairer.
If your car is looked at by a repairer not chosen or authorised by Qantas, you will need to provide Qantas with a repair-cost estimate, plus images of the damage done to your wheels. If the repairer you have chosen is then authorised, the work can go ahead as planned. However, if Qantas chooses not to authorise it you can still use that repairer, but the work will not be guaranteed by Qantas.
When you first signed up (either over the phone or online) you would have given your existing Qantas Frequent Flyer membership number, or have joined and received a new one.
With this number you can login either on Qantas Insurance’s website or directly on qantas.com/mycarpolicy.
Your Qantas car insurance premium will be determined by a number of factors, including:
As with most Qantas Points offers, you usually have to be a Qantas Frequent Flyer member to earn points. Some ways you can earn points with Qantas’ Comprehensive Cover include:
With Qantas Car Insurance you can lodge a claim either online or by calling the number 13 49 60.
To make a claim you will need to provide the following information:
There are a number of ways Qantas may settle a claim, depending on the individual situation. These can include:
To sign up or receive a quote from Qantas you will need to provide your:
Generally, when you sign up to a policy, you will also be asked to provide a copy of your drivers license.
Mozo users have rated Qantas car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
I really love qantas care insurance as their prices are competitive, when ever I need anything the wait times on the phone is very short and their customer service is amazing! I also receive qantas points which is a great bonus!Read full review
I really love qantas care insurance as their prices are competitive, when ever I need anything the wait times on the phone is very short and their customer service is amazing! I also receive qantas points which is a great bonus!
The pricing for Qantas Insurance is good, without being too cheap, and the policy covers a lot of things. I haven't had to make a claim so far, so I'm not sure how the claim process works, or if it is fast or slow.Read full review
The pricing for Qantas Insurance is good, without being too cheap, and the policy covers a lot of things. I haven't had to make a claim so far, so I'm not sure how the claim process works, or if it is fast or slow.
Most dramatic insurance company ever. All good and great until you sign up. As for the claim, one hoop after the other to jump over. Even if the claim is not at fault. They are just collecting unnecessary information off clients, including the card numbers previously used? I just hope that the repair is better than this. Definitely not recommend it.Read full review
Most dramatic insurance company ever. All good and great until you sign up. As for the claim, one hoop after the other to jump over. Even if the claim is not at fault. They are just collecting unnecessary information off clients, including the card numbers previously used? I just hope that the repair is better than this. Definitely not recommend it.
I get frequent flyer miles here. Not too expensive. Not as easy as using insurance via a bank or AAMI/SGIC/NRMA/RAA though.Read full review
I get frequent flyer miles here. Not too expensive. Not as easy as using insurance via a bank or AAMI/SGIC/NRMA/RAA though.
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