Questions & Answers
Car Insurance Q&As
This information is specific to QBE Car insurance. If you have a more general question about your insurance, please contact us.
Q. Why does my No Claim Bonus say '5 years' when my last insurer listed it as a percentage?
A. The QBE No Claim Bonus rating system uses years to measure the discount provided. Our 5 year maximum No Claim Bonus is equivalent to a 60% maximum No Claim Bonus Discount for other insurers.
Q. What is the difference between Agreed and Market Value?
A. Agreed Value means that in the event of a total loss, we pay you the amount shown on your policy. For Market Value policies, we will assess your vehicle and local market forces to determine its true value at the time of the claim. Your choice of Agreed or Market Value is reflected in your premium.
Q. Do all drivers need to be listed on my policy?
A. To ensure all drivers are fully covered we recommend you declare them to us and have them listed on your policy.
Q. What do I do if I have a car accident?
A. Check the accident scene is safe. If any person is injured or there is significant property damage, call the police immediately (and an ambulance if necessary). Ensure you collect the name, address, phone number, registration number and insurer of any third party(s) and the contact details of any witnesses. Have this information at hand when you contact our Claims department to lodge your claim.
Q. What do I do if my car is stolen?
A. Call the police immediately, then contact our Claims department.
Q. What if someone makes a claim against me?
A. Contact our Claims department so we can anticipate contact from the third party’s insurer. We’ll handle all communication between the third party and their insurance company on your behalf.
Q. If my vehicle is a total loss will you replace it with a new one?
A. If you have chosen our 4 Year New Car Replacement policy – then yes. Otherwise following a total loss, QBE will pay you the agreed value or market value (depending on which type of cover you have chosen) for your vehicle.
Q. If I have an accident and the only damage is a smashed windscreen, can I have it replaced straight away?
A. Yes, you can replace your damaged windscreen with an identical one and we will reimburse you. We recommend calling O’Brien Glass on 13 16 16, but you can choose any windscreen replacement service provider. Depending on your cover you may have to pay an excess, but you will not lose your No Claim Bonus Discount.
Q. If I get a speeding fine after I pay my insurance, do I have to tell you?
A. Yes, on renewal you should advise us of all changes to your vehicle and your driving history.
Q. There is a learner driver in our family – can we add them to the policy?
A. Yes, you can add them to your policy. Please call us on 133 723.