QBE car insurance

QBE has roots as a general insurance company going all the way back to 1886, when it began as the North Queensland Insurance Company Limited. It’s weathered many decades to become the insurance giant we know today. That’s the kind of staying power that instills great confidence in customers. This long-standing Australian institution offers travel insurance, home insurance, and insurance for a range of vehicles, including boats, caravans and cars. 

QBE’s comprehensive car insurance policy won a 2023 Mozo Experts Choice Award in the Exceptional Quality Car Insurance category. If you're interested in learning more about QBE car insurance policies, we’ve collected the need-to-know facts about below.

QBE offers the following car insurance policies

Cover information and limits in the table below verified as correct at 18 April 2024. 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

$75

Optional Extra

Go to site

What kind of car insurance does QBE offer?

There are three general levels of car insurance: Compulsory Third Party (CTP) cover which is sometimes known as a Green Slip, third party property damage insurance, and comprehensive car insurance. QBE offers all of these to its customers.

The first level, CTP insurance, covers legal liability for if you cause harm to another person while driving. You’ll need this to legally drive on Australian roads. Requirements for CTP differ between states and territories, and QBE currently offers this cover to drivers in Queensland, New South Wales and South Australia.

Third party insurance is the first tier of optional car insurance. It provides limited cover for damage you might cause to other people’s vehicles and property, but not your own. 

Comprehensive car insurance includes a greater level of this kind of cover as well as insurance for your own car and property within it. 

So, let’s get into the QBE comprehensive car insurance policy details.

What’s covered by QBE comprehensive car insurance?

Let’s start with the most obvious question: what will be covered under your QBE car insurance policy? Here’s a list of the main things your policy will take care of:

  • The cost of a new car – at either agreed or market value – if yours is written off (when the car is less than 3 years old and driven under 60,000km)

  • Damage you cause to other vehicles or property while driving (up to $30 million)

  • Up to $1,000 of your personal property if damaged or stolen along with your car

  • Baby capsule and seat replacement if damaged or stolen along with the car

  • Excess-free claims for damage to your windscreen if it can be repaired instead of replaced

  • Emergency repairs without assessment (up to $500)

  • Cost of towing

  • In an emergency, travel and accommodation expenses up to $1,000 if you’re stuck more than 100km away from home

  • The cost of a hire car if yours is stolen or damaged after a not-at-fault incident 

  • Up to $1,000 in trailer cover when it’s attached to your vehicle

  • Cost of replacement keys and locks

Remember, everything covered as part of your QBE policy may have caveats or circumstances which void your claim, so be sure to read your product disclosure statement (PDS) carefully and know when you are and are not covered.

What is not covered by QBE car insurance?

Here are some of the broad things you aren’t covered for by a QBE policy so you’re not caught out in an emergency:

  • Roadside assistance

  • Damage to caravans

  • General wear and tear from use or age (including depreciation)

  • Rust

  • Mechanical or electrical faults

There are some things you can include as on option extra on top of your standard comprehensive policy.

This includes hire car cover after at-fault incidents, your own choice of repairer and the no-excess windscreen cover for when glass needs replacing, not just repairing. Keep in mind adding this cover will likely mean a higher premium.

How much does QBE car insurance cost?

When you’re trying to work out how to factor car insurance into your budget, it's important to understand how insurance companies calculate premiums. Basically, providers aim to assess how likely you are to make a claim based on statistical risk factors. This includes things like:

  • Your age and gender 

  • Where you live (i.e. where the car is registered)

  • Where you keep your car overnight (on the street vs in a garage)

  • How long you’ve been a driver, your driving history and any insurance claims you’ve made

  • The make, model and age of your car

The riskier you are, the higher your premium will be because there’s more chance of you costing the provider money.

Remember, if these factors change then your premium might also change when you renew your policy.

Can you get any discounts with QBE?

So, how can you save money on your car insurance? By cashing in on discounts, of course. Right now at QBE you can cut a tidy $75 off your annual premium just by getting a quote and applying for car insurance online. Keep an eye out for other offers as they arise.

How to make a QBE claim

The best case scenario is that you never have to make a claim on your car insurance. But accidents happen, so you should know the QBE claim steps just in case. This way you’ll be more likely to get everything you need sorted out early, and your claim can be processed without too much hassle.

When you claim with QBE, make sure you have:

  • Your QBE policy number and personal details

  • The name, contact information, licence number and insurance details of other drivers involved – the same goes for any witnesses or other people impacted by the incident

  • The registration number of any other vehicles involved

  • Details of the accident including the date and time, location, weather condition, and sequence of events

  • Photographs of the scene and any damage to vehicles and property

  • A policy report if necessary

Your very first step should be to ensure your car is out of harm’s way and everyone at the scene is safe. Then contact QBE as soon as possible on 133 723 to make your claim or lodge it online at qbe.com/au with the relevant information at hand.

FAQs about QBE car insurance

How do I pay my QBE premium?

At QBE you can choose to pay your bill in monthly instalments or annually as a lump sum. Paying monthly will increase your premium by approximately 9%, but it might help you budget around other costs.

You can pay your premium by direct debit, online or over the phone.

What excess choices are there with QBE?

Don’t forget the excess when calculating the cost of your insurance. This is the amount you’ll have to pay when you make a claim before your cover kicks in, but it can also impact your premium. You can choose a high or low excess with QBE, with the higher level decreasing your premium and vice versa. 

Don’t forget there’s an additional age excess of $1,600 for drivers under 25 who aren’t listed on your policy ($600 for listed young drivers), 

How do I contact QBE Insurance?

To make a claim you can get in touch with QBE over the phone on 133 723 or lodge the claim online at qbe.com/au. Use the same contact info for any general queries or to pay your bill.

Does QBE offer CTP cover?

Yes, QBE offers Compulsory Third Party (CTP) insurance, often known as Green Slip insurance, to drivers in Queensland, New South Wales and South Australia. Head to QBE’s CTP page for more information.

Does QBE comprehensive car insurance cover hail damage?

Yes, you are able to claim repair costs for damage caused by hail with QBE’s comprehensive car insurance.

How is QBE car insurance rated?

Mozo users have rated QBE car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

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QBE car insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

495 Reviews

Recent QBE car insurance reviews

QBE Comprehensive Car Insurance
Overall 8/10
Great price

Originally paid $530 for my first policy. Incredible!! AFter making a claim my 2nd year was over $1000. Not sure if the hike was because of the claim and or just general price increase. Still, $1000 is pretty good. My claim was smooth. Will stay with QBE.

Read full review

Originally paid $530 for my first policy. Incredible!! AFter making a claim my 2nd year was over $1000. Not sure if the hike was because of the claim and or just general price increase. Still, $1000 is pretty good. My claim was smooth. Will stay with QBE.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Rachel, Queensland, reviewed 16 days ago
QBE Comprehensive Car Insurance
Overall 1/10
Terrible experience delay delay delay

Terrible experience with Qbe. Do not insure with them. Have been a policy holder for several years, no claims. The one time I go to make a claim and they delay delay and delay when they know that every day I was losing money. Three weeks later they are still asking the same questions in different ways. This is their game/ plot to make you wait till you end up paying for repairs yourself. I’ve lost three weeks worth of work and still have to pay for the machine to be repaired. A massive that I provided full maintenance record including one prior to the fire in the machine by only a few weeks, photos, videos, a mechanic report supporting the issue with the fire and still playing games. Would not release the money. Despicable, highly incompetent and disgraceful company. Do not insure with them they will not pay if it comes time to needing it.

Read full review

Terrible experience with Qbe. Do not insure with them. Have been a policy holder for several years, no claims. The one time I go to make a claim and they delay delay and delay when they know that every day I was losing money. Three weeks later they are still asking the same questions in different ways. This is their game/ plot to make you wait till you end up paying for repairs yourself. I’ve lost three weeks worth of work and still have to pay for the machine to be repaired. A massive that I provided full maintenance record including one prior to the fire in the machine by only a few weeks, photos, videos, a mechanic report supporting the issue with the fire and still playing games. Would not release the money. Despicable, highly incompetent and disgraceful company. Do not insure with them they will not pay if it comes time to needing it.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
David, Victoria, reviewed 5 months ago
QBE Car Insurance
Overall 2/10
Price Increase

I have had my vehicles insured with QBE for 6 years. In 2023 my car insurance went up 46%. I have never made a claim with QBE

Read full review

I have had my vehicles insured with QBE for 6 years. In 2023 my car insurance went up 46%. I have never made a claim with QBE

Value for money
1/10
Policy coverage
6/10
Customer service
2/10
Trust
1/10
Less
Mick, Queensland, reviewed 5 months ago
QBE Comprehensive Car Insurance
Overall 1/10
Stay away

Stay away QBE is by far the worst insurance company they do not care about their customers. You are just another transaction to them They will do anything to get money out of you

Read full review

Stay away QBE is by far the worst insurance company they do not care about their customers. You are just another transaction to them They will do anything to get money out of you

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Ly, New South Wales, reviewed 8 months ago
See all car insurance reviews
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