Qantas car insurance

With a century’s worth of aviation history under its (seat)belt, Qantas is known as Australia’s oldest and most established airline. It’s been a staple in the skies for many years, but did you know that the ‘Spirit of Australia’ is now making its presence known on the ground as well?

That’s right, as of 2019, Qantas has been offering car insurance! Qantas Insurance has both third party property and comprehensive car insurance. Plus, if you like stashing Qantas Frequent Flyer Points, you’ll be happy to hear there are plenty of opportunities to nab a few with these insurance plans.

Qantas offers the following car insurance policies

Rates and fees verified as correct at 08 March, 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

Not Published

n/a

Optional Extra

Go to site

Who is Qantas Car Insurance underwritten by?

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. 

What types of car insurance does Qantas offer?

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.

What does Qantas Comprehensive Car Insurance include?

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.

How much does Qantas charge for roadside assistance?

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.

How does the Qantas no claims discount work?

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:

Rating One

15%

Rating Two

12%

Rating Three

9%

Rating Four

6%

Rating Five

3%

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.

More FAQs on Qantas car insurance

What does Qantas’s third party car insurance cover?

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.

How can I reduce my car insurance premium with Qantas?

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.

What is the cooling off period for Qantas car insurance?

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.

Does Qantas car insurance guarantee repairs?

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.

How can I set up an online account with Qantas car insurance?

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.

How will Qantas work out my premium?

Your Qantas car insurance premium will be determined by a number of factors, including:

  • Whether you select third party property or comprehensive insurance
  • What optional extras you add on to your policy
  • What risk factors apply to you
  • Whether you have the no claim discount
  • Any other discounts that apply
  • Government charges, taxes or levies

What Qantas Points are on offer?

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:

  • Simply by paying your premium. You’ll earn 1 Qantas Point for every $1 that you spend on your premium.
  • With one-off offers. These include sign up offers, for which the number of points you earn will depend on how much you pay in insurance premiums.
  • By downloading the Qantas Wellbeing App. You can earn a maximum of 1,600 Qantas Points each year via the app by taking safety precautions. These include completing a car service and four tyre pressure checks every 12 months. Plus, reaching your sleep goal six out of ten days.

Making a claim with Qantas Insurance

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:

  • your policy number
  • details of what happened
  • the information of the other driver/s involved, including names, addresses, vehicle registration numbers and insurance details
  • witness names and contact information
  • details of a tow truck that may have been used
  • police report number (if applicable)

How does Qantas Insurance settle claims?

There are a number of ways Qantas may settle a claim, depending on the individual situation. These can include:

  • repairing the car
  • paying you the reasonable cost of repairing the car
  • paying you a total loss claim
  • paying up to the specified limit for a particular benefit

What information will I need to apply?

To sign up or receive a quote from Qantas you will need to provide your:

  • Your Qantas Frequent Flyer number (if you do not have one then you will receive one, when you sign up)
  • The address where your vehicle is typically parked
  • Your registration number
  • Your email address
  • Your date of birth

Generally, when you sign up to a policy, you will also be asked to provide a copy of your drivers license.

How is Qantas car insurance rated?

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.

Icon of car-insurances
Qantas car insurance
Overall
4.2/10
Value for money
Policy coverage
Customer service
Claims handling
Trust

5 Reviews

Recent Qantas car insurance reviews

Qantas Comprehensive Car Insurance review
Overall 1/10
Worst Insurance experience ever.

This is the worst insurance company I have ever dealt with. Please stay away from it. Your claim will take forever to be reviewed. You will wait for a minimum of an hour on the phone and they will still not answer your call. I have claimed for an accident. One month later and I am still waiting for an answer. They want to repair a total loss car. They want to even change my chassis and repair an unrepairable car. My car is a Landcruiser Sahara. Stay away.

Read full review

This is the worst insurance company I have ever dealt with. Please stay away from it. Your claim will take forever to be reviewed. You will wait for a minimum of an hour on the phone and they will still not answer your call. I have claimed for an accident. One month later and I am still waiting for an answer. They want to repair a total loss car. They want to even change my chassis and repair an unrepairable car. My car is a Landcruiser Sahara. Stay away.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Mustapha, New South Wales, reviewed about 2 months ago
Qantas Car Insurance review
Overall 9/10
Best value - premium vs replacement value.

I found Qantas gave our cars the best replacement value for the best price. Most other insurance companies insured our car at a considerably lower value for a very small premium reduction. Qantas was helpful when we wanted to update the policy. Read the fine print of insurance policies. A cheaper premium generally means less coverage.

Read full review

I found Qantas gave our cars the best replacement value for the best price. Most other insurance companies insured our car at a considerably lower value for a very small premium reduction. Qantas was helpful when we wanted to update the policy. Read the fine print of insurance policies. A cheaper premium generally means less coverage.

Value for money
9/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Nick, New South Wales, reviewed about 2 months ago
Qantas Comprehensive Car Insurance review
Overall 1/10
Qantas Car Insurance leaves a lot to be desired

I changed my car insurer to Qantas, clearly in hindsight the worst mistake I could have made. Previously I've been with AAMI and had great experiences on the sad occasions when their services were required. I will be returning to AAMI, I'm sorry I changed. I have found Qantas Car Insurance to be bluntly uncooperative, unhelpful and clearly a service on a fixed budget. The accident was no fault of mine, you would think I was asking for the world when all I asked for was compensation for subsequent travel incurred by the claims process. The only response from Qantas was that they were 'okay' if I went after the other guy's insurer myself for the out of pocket. Fair enough if firstly, I hadn't ticked the box on the application and paid for provision of a rental car if my car was under repair, But I did tick the box and I did pay you. Secondly I engaged Qantas as my insurer, alert Qantas, that's why people that don't self insure pay for the services of companies like you. To provide service, something that appears to be sadly lacking. Thirdly as the out of pocket was caused by Qantas' poor service ethic in this instance I thought no. You certainly don't receive the service their marketing promises give expectation to. Don't do it, go elsewhere for your cover. It isn't worth whatever the theoretical saving might be. When you need your insurer and you have a similar experience as myself, you will be disappointed and frustrated if you choose Qantas,, just as I have been. Qantas, stick to flying planes leave the auto insurance game for companies that provide service consummate with cost.

Read full review

I changed my car insurer to Qantas, clearly in hindsight the worst mistake I could have made. Previously I've been with AAMI and had great experiences on the sad occasions when their services were required. I will be returning to AAMI, I'm sorry I changed. I have found Qantas Car Insurance to be bluntly uncooperative, unhelpful and clearly a service on a fixed budget. The accident was no fault of mine, you would think I was asking for the world when all I asked for was compensation for subsequent travel incurred by the claims process. The only response from Qantas was that they were 'okay' if I went after the other guy's insurer myself for the out of pocket. Fair enough if firstly, I hadn't ticked the box on the application and paid for provision of a rental car if my car was under repair, But I did tick the box and I did pay you. Secondly I engaged Qantas as my insurer, alert Qantas, that's why people that don't self insure pay for the services of companies like you. To provide service, something that appears to be sadly lacking. Thirdly as the out of pocket was caused by Qantas' poor service ethic in this instance I thought no. You certainly don't receive the service their marketing promises give expectation to. Don't do it, go elsewhere for your cover. It isn't worth whatever the theoretical saving might be. When you need your insurer and you have a similar experience as myself, you will be disappointed and frustrated if you choose Qantas,, just as I have been. Qantas, stick to flying planes leave the auto insurance game for companies that provide service consummate with cost.

Value for money
4/10
Policy coverage
7/10
Customer service
1/10
Claims handling
3/10
Trust
2/10
Less
Brian, Victoria, reviewed 3 months ago
Qantas Comprehensive Car Insurance review
Overall 8/10
Great and competitive service.

I went on their website and got a quick and easy quote for two cars. Left the quotes while discussing with hubby and then they called me and my hubby back to see if needed any help. Qantas had a promotion about the frequent flyer points and received them within the time period.

Read full review

I went on their website and got a quick and easy quote for two cars. Left the quotes while discussing with hubby and then they called me and my hubby back to see if needed any help. Qantas had a promotion about the frequent flyer points and received them within the time period.

Value for money
7/10
Policy coverage
7/10
Customer service
7/10
Trust
8/10
Less
Kylie, Victoria, reviewed 5 months ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

Car insurance quick links