Car insurance
Whether your car’s a road-tripper or a runabout, QBE offers car insurance which provides cover if the unexpected were to happen. It can help cover costs for repairs to your car, or damage to someone else’s vehicle or property through the use of your car.
Save 10% when you buy a new QBE car insurance policy online today.*
Home insurance
A property is a valuable asset, so you may want to consider insuring it. QBE home insurance offers you three products that may suit your needs, whether you want to insure the building you call home, the contents that you or your family own, or an investment property that brings in returns.
Save 10% when you buy a new QBE home insurance policy online today.*
Small business insurance
Every business is different, so the industry in which you operate and the products and services you provide will determine the insurance required for your small business. Small business insurance can include business liability, business buildings and contents cover and more. QBE Small Business Insurance is designed for thousands of occupations like tradies, professional services, hospitality and retail.
Save up to 10% when you buy a new QBE Small Business Insurance policy online today.#
Why choose QBE Insurance?
Flexible cover
Our range of insurance options ensures you have the flexibility to choose the cover you need for your car, home or small business.
Claim online anytime
In tough situations, you’ll have access to expert claims teams and a selected supplier network ready to help.
Trusted insurer
We're an insurer that's been protecting Australians for over 135 years.
QBE can help cover your car, home or small business
Car
Comprehensive car insurance is the highest level of cover we offer. It can cover your car for damage caused in an accident, fire, theft, or weather events, plus any damage caused to other people’s vehicles and property from the use of your car.
What’s included?
Comprehensive car insurance can include cover for:
- Damage to your car caused by collision, theft, attempted theft and fire
- Damage caused to someone else’s vehicle or property from the use of your car
- Towing and storage costs
- Replacing or recoding your car keys, locks or barrel if your car keys are stolen and the theft is reported to the police
- Emergency accommodation and transport costs to get the driver of your car and any passengers home from an incident that occurs more than 100km from home
- Baby capsules and child seats that are stolen or damaged in an incident if they are fitted for use inside your car
- New car replacement if your car is less than three years old, is written off and has driven less than 60,000km.
Optional benefits you can add to your policy
(for an additional premium)
- Hire Car – Extra, provides a hire car for up to 14 days when you’ve caused a car accident or your car has been damaged by hail for example
- 'No Excess' Windscreen – you won’t need to pay an excess if your windscreen or window glass needs to be replaced rather than repaired (conditions apply)
- Choice of Repairer – you can choose which licensed repairer will repair your car.
Home
Your home is a valuable asset, so you may want to cover it for things like fire, theft, storm and flood. Get flexible cover for your home and/or belongings, with the option to add extra benefits.
What’s included?
Your Home Insurance cover will depend on whether you’ve chosen to insure your buildings, its contents, or both. Buildings and contents cover can include:
- Cover for damage or loss caused by storm, fire, theft, flood and more
- Up to $30 million legal liability cover
- Emergency temporary repairs
- A guarantee on buildings repairs made by our suppliers
- Temporary accommodation costs for up to two years if your home isn’t liveable due to damage by an insured event
- Burnout of electric motors
- Up to 30% Buildings Sum Insured Safeguard benefit (eligibility criteria applies)
- Cover for your contents in transit to your new residence
- Contents cover when you move house for up to 60 days at both your current and new permanent homes when you move house
- Security upgrades after a burglary
- Environmental upgrades.
Options you can add to your policy
(for an additional premium)
- Accidental Damage option - cover for damage caused by accidents
- Portable Contents option (if you have contents cover) - cover for your belongings away from home.
Small Business
Small Business Insurance automatically comes with Business Liability cover as your base. It provides cover for public liability including third-party personal injury and property damage. You can also add extra covers to suit your business needs.
What’s included?
Business liability cover (sometimes referred to as public liability) covers personal injury or property damage caused by an occurance in connection with your business, with the option of a $5m, $10m or $20m limit.
Optional cover
- Business Buildings and Contents cover for physical loss or damage to your business buildings and/or your business contents caused by an insured event up to the limit you select
- Business Interruption cover for loss of gross income up to the limit selected, resulting from interruption or interference to the business caused by loss of, or damage to property insured under 'Business Buildings and Contents', 'Money', 'Theft', 'Glass' or 'Portable Items' sections from an insured event
- Portable Items cover for insured items that are taken away from the location your business operates from, up to the limit you select
- Theft cover for loss or damage resulting from theft of business property up to the limit specified
- Money cover for loss or damage to money belonging to you and connected with your business, up to the limit you select
- Glass cover for damage to internal and external glass as shown on your policy schedule
- Breakdown cover for the cost of repairing or replacing insured business machinery if it breaks down, up to the limit you select
- Tax Audit cover for accountant fees associated with a statutory tax audit, up to the limit you select.
Frequently asked questions
Yes, for an additional premium, you can add the following optional benefits:
- Hire Car – Extra (for up to 14 days)
- 'No Excess' Windscreen
- Choice of Repairer.
Simply add the optional benefits to your QBE Comprehensive Car Insurance policy when you get a quote online, or ask us when you call.
Compulsory Third Party (CTP) insurance is mandatory in Australia. It covers the cost of compensation if you or someone driving your car causes an accident injuring someone else. In NSW, QLD, SA and ACT you can choose your CTP insurer, in other states and territories it is part of a motor vehicle’s registration bill.
Comprehensive car insurance can cover repairs to your car for damage caused by things like collision, fire, theft and a weather event. It can also cover damage to someone else’s car or property caused by the use of your car.
Choosing the right car insurance depends on your needs, and everyone’s needs differ. Understanding the difference between comprehensive car insurance and third party property damage car insurance is important.
Comprehensive car insurance can cover repairs to your car for damage caused by things like collision, fire, theft and a weather event. It can also cover damage to someone else’s car or property caused by the use of your car.
Third party property damage car insurance differs to comprehensive car insurance as it covers your legal liability to pay compensation which arises from damage to someone else’s vehicle or property caused by the use of your car. It normally doesn't cover damage to your car as a result of an accident. It also doesn’t cover damage caused by weather events, fire or theft.
Under QBE’s Third Party Property Damage Car Insurance, you can choose to add the fire and theft cover option for an additional premium to include cover for loss of or damage to your car caused by fire, theft and attempted theft (limits apply).
It’s worth considering your car’s value and the level of cover you’d like.
You can use a contents calculator to estimate the replacement cost for your contents. Remember to include things like carpet, internal blinds, curtains, furniture, whitegoods and personal items.
Items of value, including jewellery and artworks, can be listed separately on your Certificate of Insurance, as part of the overall contents sum insured.
Estimating replacement costs can be tricky, so checking prices through online retailers can be helpful. If you’re still unsure, it can be a good idea to consult a professional that can help you value your contents, as calculators are generic and may not be accurate.
If you move, call 133 723 to update your policy with details of your new home.
Please have the following handy:
- The date of your move
- Your new address
- Details about your new home, including its age and construction materials.
Every business is different, so the industry in which you operate and the products and services you provide will determine the insurance to consider for your small business. Most businesses need public liability cover which is why QBE's Small Business Insurance automatically comes with business liability cover. It covers you for all sums you become legally liable to pay by way of compensation in respect of personal injury or property damage happening during the period of insurance and caused by an occurrence in connection with your business occupation.
If you'd like cover for other parts of your business, like your business buildings, tools and equipment, and stock, you can choose to add these as options when you get a quote.
Read the QBE Small Business Insurance Policy Wording to decide if the product is right for you.
Cost will depend on a number of factors, like the type of business and the risks involved. Every business is unique, so we ask questions to determine our pricing and if we're able to offer the covers selected. We do not advise on insurance needs. You can choose the cover you need to protect your small business when you get a quote.
QBE Comprehensive Car Insurance, QBE Third Party Property Damage Car Insurance, QBE Home Insurance, QBE Contents Insurance, QBE Landlord Insurance and QBE Small Business Insurance are issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). Costco Wholesale Australia PTY LTD, ABN 57 104 012 893 acts as a referrer and does not receive commission for any referral it makes that results in a policy being taken out with QBE. Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. To decide if this product is right for you, please read the relevant Policy Wording or Product Disclosure Statement (PDS) and Target Market Determination (TMD).
*10% discount off base premium for Costco Members who purchase a new QBE Comprehensive Car Insurance, QBE Third Party Property Damage Car Insurance, QBE Home Insurance, QBE Contents Insurance or QBE Landlord Insurance policy online. Discount applies for the first year's premium only. Discount is applied before GST and other applicable government fees, duties and charges.
#Up to 10% discount for buying a new QBE Small Business Insurance policy online. Minimum premiums apply which may limit the actual discount received. Discount applies to first year’s base premium and is applied before GST and other applicable government fees, duties and charges.