QBE car insurance

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