Rates and fees verified as correct at 21 June, 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
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.
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.
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:
Damage to caravans
General wear and tear from use or age (including depreciation)
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.
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.
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.
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.
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.
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),
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.
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.
Yes, you are able to claim repair costs for damage caused by hail with QBE’s comprehensive car insurance.
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.
I haven't had any issues with this insurer. They are good for the $ and well-known.Read full review
I haven't had any issues with this insurer. They are good for the $ and well-known.
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