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. 

In 2021 QBE took out a Mozo Experts Choice Car Insurance Award for Exceptional Value Car Insurance, but 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

Rates and fees verified as correct at 29 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

Not Published

$75

Optional Extra

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:

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:

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:

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 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.

Icon of car-insurances
QBE car insurance
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

476 Reviews

Recent QBE car insurance reviews

QBE Comprehensive Car Insurance
Overall 8/10
Overall happy with insurance we currently have

Pretty happy with company, when last phoned to amend personal details they updated our policy and got a better rate customer service were good to deal with also.

Read full review

Pretty happy with company, when last phoned to amend personal details they updated our policy and got a better rate customer service were good to deal with also.

Value for money
8/10
Policy coverage
7/10
Customer service
8/10
Trust
6/10
Less
Erin, South Australia, reviewed 23 days ago
QBE Comprehensive Car Insurance
Overall 6/10
Not the best

Expensive annually but claims process generally is fine.

Read full review

Expensive annually but claims process generally is fine.

Value for money
7/10
Policy coverage
8/10
Customer service
8/10
Claims handling
5/10
Trust
5/10
Less
Ellie, New South Wales, reviewed 24 days ago
QBE Car Insurance
Overall 10/10
Excellent company. Have had no issues so far. Easy

Excellent company. Have had no issues so far. Easy to work with.

Read full review

Excellent company. Have had no issues so far. Easy to work with.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Nathan, New South Wales, reviewed about 1 month ago
QBE Car Insurance
Overall 1/10
Fraudsters! They debited my annual premium TWICE.

I set up direct debit for my annual comprehensive car insurance premium (having put money away every fortnight for 12 months) and received a confirmation email that the premium would be taken out on the due date. When I checked my bank account they had debited the full amount TWICE!!! This happened on a Thursday so I both emailed and contacted them via their website. No response. The next day I phoned and after 35 minutes on the phone (the consultant admitted it was their mistake and apologised) I was told they would schedule an urgent refund, but that I probably wouldn't have it in time for the weekend. True to form, it took over 5 days for me to receive my own money back. I couldn't afford to buy food or anything all weekend, and instead had to borrow money from friends and family (very embarrassing). They then had the nerve to email me the following week saying *I* had overpaid my premium (even though it was them who accessed my bank account TWICE, the second time without my authorisation). I escalated a complaint and it took them 10 days to even acknowledge it, and in their response they just said that they had already refunded the money and do not provide any compensation. Be careful as they are happy to steal your hard earned money then take their sweet time to give it back. And it's your problem if you get paid fortnightly and therefore can't afford to eat for 5 days. Thanks for nothing QBE.

Read full review

I set up direct debit for my annual comprehensive car insurance premium (having put money away every fortnight for 12 months) and received a confirmation email that the premium would be taken out on the due date. When I checked my bank account they had debited the full amount TWICE!!! This happened on a Thursday so I both emailed and contacted them via their website. No response. The next day I phoned and after 35 minutes on the phone (the consultant admitted it was their mistake and apologised) I was told they would schedule an urgent refund, but that I probably wouldn't have it in time for the weekend. True to form, it took over 5 days for me to receive my own money back. I couldn't afford to buy food or anything all weekend, and instead had to borrow money from friends and family (very embarrassing). They then had the nerve to email me the following week saying *I* had overpaid my premium (even though it was them who accessed my bank account TWICE, the second time without my authorisation). I escalated a complaint and it took them 10 days to even acknowledge it, and in their response they just said that they had already refunded the money and do not provide any compensation. Be careful as they are happy to steal your hard earned money then take their sweet time to give it back. And it's your problem if you get paid fortnightly and therefore can't afford to eat for 5 days. Thanks for nothing QBE.

Value for money
1/10
Customer service
1/10
Trust
1/10
Less
Dissatisfied, Western Australia, reviewed 3 months ago

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