What's included in the cover:


  • Accidental damage
  • Theft
  • Fire
  • Essential temporary repairs
  • Towing costs
  • Emergency accommodation and transport
  • Legal liability
  • Lifetime repair guarantee.
Read the PDS
QBE Car insurance supporting image

Optional benefits

  • Four-year new car replacement
    Insure your brand new car from the time of purchase and if it's written-off within the first four years (up to 100,000km), we'll replace it with a new one.
  • No Claim Bonus protection
    Allows you to make one at-fault claim and retain your No Claim Bonus discount on your next renewal.
  • Policy lifetime No Claim Bonus protection
    If you've retained your maximum No Claim Bonus for two years (with no at-fault claims), you can opt to protect it for life.
  • Hire car after incident
    We'll cover the cost of car hire for up to 14 days while we’re taking care of repairs.
  • Excess-free windscreen and window glass protection
    We'll repair your damaged windscreen or window glass at no cost to you.
Ways to save on car insurance

Ways to save

Want to save on your car insurance? Here’s how:

  • Flexible excesses - lower your premium by selecting a higher excess
  • No Claim Bonus discount - if you've been claim-free for five years you’ll get our maximum discount
  • Over 50s discount - senior policyholders can save.

Frequently Asked Questions

Check the accident scene is safe. If anyone 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. Call us 24 hours a day on 133 723.

Yes, you can replace your damaged windscreen with an identical one and we’ll 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 won’t lose your No Claim Bonus discount.

Yes, if it was insured with QBE from new, is less than two years old and has travelled less than 20,000km. If you’ve chosen our Four-Year New Car Replacement policy it’ll be replaced new up to four years old and less than 100,000km. Otherwise following a write-off, we’ll pay you the Agreed Value or Market Value (depending on which type of cover you have chosen) for your car.

Call the police immediately, then contact our Claims department. Call us 24 hours a day on 133 723.

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. Call us 24 hours a day on 133 723.

Agreed Value means that in the event of a write-off, we pay you the amount shown on your policy. For Market Value policies, we’ll assess your car and local market indicators to determine its true value at the time of the claim. Your choice of Agreed or Market Value is reflected in your premium.

Our No Claim Bonus rating system uses years to measure the discount provided. Our five-year maximum No Claim Bonus is equivalent to other insurers Rating 1 or 60% maximum No Claim Bonus levels.

Yes, on renewal you should advise us of all changes to your car and your driving history.

Yes, you can add them to your policy (your premium may reflect this change). Please call us on 133 723.

The advice on this website has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the Product Disclosure Statement for the policy before you make any decision to acquire it.

Contact us

Need more help?

Call 133 723 Mon-Fri 8am-8pm, Sat 8am-1.30pm (AEST)