QBE - Home & Contents Insurance

QBE Home & Contents Insurance Review

Review published: 20 September 2017

What's hot:

  • 2017 Mozo Experts Choice Award winner

  • Range of discounts

  • Automatic flood cover

  • New for old item replacement

What's not:

  • Higher premium for monthly payments

Mozo snapshot:

Taking out a 2017 Mozo Experts Choice Award for Exceptional Quality, QBE’s Home Cover Prestige Home and Contents Insurance is a stand out choice when it comes to protecting your home and possessions. With high cover levels for all your valuables, widespread cover against a number of events including flood damage, and a suite of additional features including new for old replacement and a range of discounts, the QBE policy is there to provide a thorough safeguard for your property.     


Key features:

The QBE Home Cover Prestige Home and Contents Insurance policy offers homeowners what many other insurers don’t - bulit-in flood cover along with protection against a number of other potential events such as burglary, lightning strikes, storms and fire.  

With QBE you’ll rest easy knowing that building and structural improvements along with trees and shrubs (up to $1,500) will be covered in the case of an event, and QBE will even cover the cost of debris removal, demolition work and the replacement of any locks and keys (up to $2,500) under the policy.    

When it comes to your valuables, the policy will cover cash in your home (up to $1,000), your credit cards (up to $5,000) and even your jewellery or watches for up to $1,750 per item, along with a range of other household contents.

QBE also provides its customers with a suite of additional features to make things easier if something does go wrong, including temporary accommodation for you and your pets for up to 12 months and new for old replacement on a range of items. Speaking of pets, the policy provides up to $500 cover for veterinary expenses.

With QBE Home Cover Prestige Home and Contents Insurance you’ll also be able to take advantage of a number of discounts such as 15% off your premium for purchasing your policy online, a 10% discount for over 50’s, as well as a no claims bonus and a discount for retirees.

Who it's good for:

With its range of quality features and cover, the QBE Home Cover Prestige Home and Contents Insurance policy could be a great option for any homeowner, but the range of discounts on offer also make the policy an attractive option for anyone who’s retired or over the age of 50.


Any catches?

Unfortunately you will have to pay a higher premium if you choose to pay for it in monthly instalments, though if you opt for the yearly lump sum payment option you won’t be charged more.


How is QBE home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
QBE home insurance
7.3

Based on 68
QBE home insurance reviews

7.0 7.6 7.3 7.1 7.3

Latest reviews of QBE Home & Contents Insurance

QBE

QBE Home Cover Prestige home insurance review

Overall rating   4 / 10

Okay online

Not customer friendly at all.

Full review

Not customer friendly at all.

    Value for money   3 / 10

    Policy coverage   3 / 10

    Customer service   6 / 10

    Claims handling   6 / 10

    Trust   1 / 10

Less

David (WA), reviewed 2 months ago

QBE

QBE Home Cover Prestige home insurance review

Overall rating   10 / 10

Competitive premiums, fantastic customer service

Very reasonable competitive rates.

Full review

Very reasonable competitive rates.

    Value for money   10 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Shirley (QLD), reviewed 10 months ago

QBE

QBE Home Cover Prestige home insurance review

Overall rating   9 / 10

Competitive premiums and easy to get a claim

Great company to deal with. They always match premiums every year. I have been dealing with QBE for over 20 years and I wouldn't hesitate to recommend them to anyone.

Full review

Great company to deal with. They always match premiums every year. I have been dealing with QBE for over 20 years and I wouldn't hesitate to recommend them to anyone.

    Value for money   9 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Anitta (SA), reviewed 12 months ago

QBE

QBE Home Cover Prestige home insurance review

Overall rating   9 / 10

Solid company

Good company, policy coverage is wider than most on the market. Claims service is efficient and whilst only used once, the result was more than acceptable because of the assessor used.

Full review

Good company, policy coverage is wider than most on the market. Claims service is efficient and whilst only used once, the result was more than acceptable because of the assessor used.

    Value for money   6 / 10

    Policy coverage   / 10

    Customer service   / 10

    Claims handling   / 10

    Trust   / 10

Less

Bruce (VIC), reviewed about 1 year ago

QBE

QBE Home Cover Prestige home insurance review

Overall rating   10 / 10

BEST customer service and prices.

Best coverage. AUSTRALIAN customer service reps. Nothing is too much trouble for the sales team.

Full review

Best coverage. AUSTRALIAN customer service reps. Nothing is too much trouble for the sales team.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   9 / 10

    Trust   10 / 10

Less

Denise (QLD), reviewed over 2 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

Policy and service features

  • 60

  • Buildings only, up to 30% of sum insured

  • 0

  • 15% online discount, Over 50, retirees, no claim bonus, security systems.

  • Up to 90 days, up to 20% of sum insured

  • Up to $30,000,000

Events

  • Up to 15 years old

Buildings

  • Up to $2,000

  • Up to $1,500

  • sum insured

Contents

  • Up to $1,000

  • Up to $5,000

  • Up to sum insured

  • Software and Hardware covered up to reasonable costs.

  • Up to sum insured

  • Up to $10,000 per item

  • Up to $10,000 per item for artworks, up to $5,000 per collection for collections, up to 25% of sum insured

  • Up to $1,750 per item

  • Up to $1,000

  • Up to $5,000

Other cover

  • Up to $10,000 for death, up to $10,000 for injury

  • Up to $500

  • Up to $2,500

  • Up to 10% of sum insured

  • Up to 12 months

  • Up to $500

  • Up to 30 days

  • Up to sum insured

Policy and service features

  • 60

  • Buildings only, up to 30% of sum insured

  • 0

  • 15% online discount, Over 50, retirees, no claim bonus, security systems.

  • Up to 90 days, up to 20% of sum insured

  • Up to $30,000,000

Events

  • Optional extra

  • Up to 15 years old

Buildings

  • Up to $2,000

  • Up to $1,500

  • sum insured

Contents

  • Up to 1% of sum insured, up to $500

  • Up to $1,000

  • Up to $3,000

  • Software and Hardware covered up to $5,000

  • Up to $1,500

  • Up to $5,000 per item

  • Up to $1,000 per item for personal valuable, up to $1,000 per item for curios, up to $5,000 per item for artworks or collections

  • Up to $1,500 per item

  • Up to $500

  • Up to $1,500

Other cover

  • Up to $5,000 for death, up to $10,000 for injury

  • Up to $500

  • Up to $500

  • Up to 12 months, up to 10% of sum insured

  • Up to 12 months

  • Up to $500

  • Up to 14 days

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).

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