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Mini meca 2023

QBE Comprehensive Car Insurance

Advertiser disclosure
Important information on terms, conditions and sub-limits
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
Choice of repairer
Optional Extra

Mozo editorial review QBE Comprehensive Car Insurance - last updated: 28 September 2023

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What's hot
  • 2023 Mozo Experts Choice Award
  • $75 online discount
  • New-for-old replacement (up to 3 years old, driven 60,000km)
What's not
  • Monthly premium payments cost extra
Mozo snapshot

Are you after a car insurance policy scoring goals in coverage and optional extras? Well QBE has a comprehensive policy that might suit your needs. It even comes with a $75 discount on your first year’s premium, available when you apply online. Plus if you’ve got a shiny new set of wheels, the new-for-old replacement could be a big drawcard. On top of all this, QBE snagged an award for Exceptional Quality Car Insurance in the 2023 Mozo Experts Choice Car Insurance Awards, so you know you'll be getting a solid deal.

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Key features

QBE Comprehensive Car Insurance is hitting some winners straight off the bat. A wide range of events and support are covered as standard, including accidental damage, fire and theft, weather damage, essential repairs up to $500, and emergency transport and accommodation up to $1,000. 

Reasonable towing costs will also be covered after an incident and if you’ve been in a not-at-fault accident, QBE will also sort you out for a hire car while your ride is being repaired or replaced. New car drivers can cruise easy knowing there is new-for-old car replacement if your vehicle is written off (so long as it’s under three years old and has driven less than 60,000km).

There are a few things you’ll only be able to access at an additional cost. You’ll need to decide if you want to opt-in for hire car cover after an at fault accident or weather event, and for excess-free windscreen replacement (excess-free repairs included in standard cover). The ability to choose your repairer is also available as an optional extra.

The cherry red convertible on top is the $75 discount you’ll get on your first year’s premium simply for applying online.  

Who is it good for

This comprehensive policy will suit any driver looking for expansive cover. However, it could be particularly good for new car owners, as the new-for-old replacement covers cars which have driven a substantial 60,000km and are up to three years old.

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Any catches

Like all insurance policies, not everything is covered or included as standard. If you want your choice of repairer or other optional extras, read your PDS carefully and opt-in.


Cover information and limits in the table below correct as at 14 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses

Yes costs extra

$300 - $2,550

$600 for listed drivers under 25, $1,600 for unlisted drivers under 25.







Service features


Optional Extra





Coverage summary

Agreed or Market

Yes - within 3 years and 60,000 km of original registration

Up to $1,000 if damaged.

Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.

Up to $500

Reasonable towing costs. Up to $1,000 travel and accommodation costs if greater than 100 km from home.

Yes - Up to 14 days.

Not at fault - yes. At fault - Optional Extra. Up to 14 days.

Yes - legal liability cover when using a substitute vehicle.

Up to $1,000

Yes if stolen.


Automatically covered.



Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Customer Reviews

How are QBE car insurance rated by the Mozo community?

Value for money
Policy coverage
Customer service
Claims handling
Based on 495 QBE car insurance reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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