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QBE Comprehensive Car Insurance

Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 60%
Online discount
$75
Choice of repairer
Optional Extra

Mozo editorial review QBE Comprehensive Car Insurance

Last updated: 24 September 2020.

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What's hot
  • New-for-old replacement (up to 3 years old, driven 60,000km)
  • $75 online discount
  • Key and lock replacement
  • 2020 Mozo Experts Choice Award
What's not
  • Monthly premium payments cost extra
Mozo snapshot

Are you after a car insurance policy scoring goals in coverage and optional extras? QBE has got a comprehensive policy that might suit your needs. It’s great for anyone looking to save on their first year’s premium with a $75 online application discount and a growing no claims bonus. And if you’ve got a shiny new set of wheels, the new-for-old replacement could be a big drawcard. Plus, since they snagged a medal for Exceptional Value in the 2020 Mozo Experts Choice Car Insurance Awards, 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 60,000).

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 accident where you are at fault, and for excess-free windscreen repairs (perhaps if you regularly drive on unsealed roads this would be helpful). You’ll also only be able to choose your own repairer during a claim if you opt-in.

The cherry red convertible on top is the $75 discount you’ll get on your first year’s premium simply for applying online. There are also other bonuses available, like a no claims discount up to 60%. 

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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.

Details

Rates and fees information correct as at 28 September 2020. 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

  • $1,000 for listed drivers under 21, $750 for listed drivers under 25, $1,500 for unlisted drivers under 21, $1,250 for unlisted drivers under 25, $750 for inexperienced drivers over 25, $500 for unlisted drivers over 25.

  • 60% (ACT)
    60% (NT)
    60% (WA)
    60% (VIC)
    60% (TAS)
    60% (NSW)
    60% (SA)
    60% (QLD)

  • 5 years

  • $75

  • n/a

  • No claim discount increases by 10% per year to a maximum of 60%. At fault claims decrease the no claim discount by 10%. No claim bonus protection can be purchased.

  • Discount available to seniors.

Service features
  • No

  • Optional Extra

  • Yes

  • n/a

  • n/a

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 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.

  • Yes

  • Covered only if agreed in writing.

  • No

  • Part time only

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are QBE car insurance rated by the Mozo community?

Overall
7.7/10
Value for money
7.4/10
Policy coverage
7.6/10
Customer service
7.6/10
Claims handling
7.5/10
Trust
7.5/10

Latest reviews of QBE Comprehensive Car Insurance

  • Overall 1/10
    Pathetic insurance around.

    Got this pathetic insurance for our new car. Someone hit the rear door while reversing like an idiot. We put the claim through. They said we were not at fault and we started the repair. Halfway through the repair they changed it and said we are at fault and now we have to pay the excess. Bloody frauds. Do not go with them. They will take your money but never help.

    Read full review

    Got this pathetic insurance for our new car. Someone hit the rear door while reversing like an idiot. We put the claim through. They said we were not at fault and we started the repair. Halfway through the repair they changed it and said we are at fault and now we have to pay the excess. Bloody frauds. Do not go with them. They will take your money but never help.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Anushree, New South Wales reviewed 19 days ago
  • Overall 0/10
    Worst Insurance Company ever!

    My son was seriously injured (he was actually almost killed) by a QBE customer and therefore put in a Ctp Claim. What a nightmare! Can’t understand the so called “Case Manager”. She misunderstands all communication, both phone and emails, implies that I was to blame for them not receiving my claims for processing, constantly miscalculates money owing to my son. The list goes on. Wouldn’t recommend them if they were the last insurance company on earth!

    Read full review

    My son was seriously injured (he was actually almost killed) by a QBE customer and therefore put in a Ctp Claim. What a nightmare! Can’t understand the so called “Case Manager”. She misunderstands all communication, both phone and emails, implies that I was to blame for them not receiving my claims for processing, constantly miscalculates money owing to my son. The list goes on. Wouldn’t recommend them if they were the last insurance company on earth!

    Value for money
    -1/10
    Policy coverage
    -1/10
    Customer service
    0/10
    Claims handling
    1/10
    Trust
    0/10
    Less
    Jennifer, New South Wales reviewed 3 months ago
  • Overall 9/10
    Premium quality Insurance, at a budgetable rate

    Great customer service. Fortnightly payment option and a lower excess with same coverage as other insurers and at a cost being 2/3's (two thirds) of the cost of Suncorp's. One possible downfall is 'No Inclusive Roadside' option available at this time.

    Read full review

    Great customer service. Fortnightly payment option and a lower excess with same coverage as other insurers and at a cost being 2/3's (two thirds) of the cost of Suncorp's. One possible downfall is 'No Inclusive Roadside' option available at this time.

    Value for money
    10/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    9/10
    Less
    Eleisha, Queensland reviewed 4 months ago
  • Overall 9/10
    Comprehensive policy.

    The best insurance company is QBE. They have been loyal to me. I've been with them for 12 years and hardly made claims.

    Read full review

    The best insurance company is QBE. They have been loyal to me. I've been with them for 12 years and hardly made claims.

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    9/10
    Less
    Charles, Victoria reviewed 5 months ago
  • Overall 0/10
    Dreadful. No service and a rip-off.

    Absolutely no customer service.

    Read full review

    Absolutely no customer service.

    Value for money
    0/10
    Policy coverage
    7/10
    Customer service
    0/10
    Claims handling
    0/10
    Trust
    2/10
    Less
    Alex, New South Wales reviewed 7 months ago
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