Car insurance
Whether your car’s a road-tripper or a runabout, QBE offers car insurance to cover you if the unexpected were to happen. It can help cover costs for repairs to your car if it's damaged in an incident, or damage to someone else’s vehicle or property through the use of your car.
Save $75 when you buy a new QBE Comprehensive Car 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 home or small business.
Claim online anytime
In tough situations, you’ll have access to expert claims teams and an Australia-wide network of Accredited Smash Repairers ready to help.
Trusted insurer
We're an insurer that's been protecting Australians for over 135 years.
What's covered?
Comprehensive Car Insurance
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 damaged in an incident or stolen along with 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
(for an additional premium)
- Hire Car – Extra (for up to 14 days)
- 'No excess' Windscreen (conditions apply)
- Choice of Repairer.
Third Party Property Damage Car Insurance
Third party property damage car insurance can cover the cost of damage to another person’s vehicle or property caused by the use of your car.
What’s included?
It can cover your legal liability to pay compensation where the use of your car causes damage to someone else’s vehicle or property.
Optional Fire and theft cover
You can add the Fire and theft cover option to your QBE Third Party Property Damage Car Insurance policy for an additional premium. It can cover loss or damage to your car caused by fire, theft or attempted theft (limits apply). It also provides cover for the reasonable daily cost of a suitable hire car, if your car is stolen or damaged in an attempted theft, for up to 14 days.
Frequently asked questions
You may not need to pay a basic excess if the driver of your car did not cause or contribute to the incident claimed and you are able to provide us with the full name and address of each responsible person, and if they were using a vehicle, each vehicle's registration number.
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 doesn't cover damage to your car as a result of an accident (unless it's caused by an uninsured driver). 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.
No, CTP isn’t included in third party property damage car insurance.
Third party property damage car insurance provides cover for the damage caused by the use of your car to other people's vehicles or property. If you buy a third party property damage policy, you’ll still need to register your car, and if you live in NSW, QLD, SA or ACT, purchase separate CTP insurance, also known as a Green Slip in NSW.
Third party property damage car insurance, also known as third party, 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.
You can pay an additional premium to add the Fire and theft cover option to your QBE Third Party Property Damage Car Insurance policy. Once added, this option provides cover for loss of or damage to your car caused by fire, theft or attempted theft (limits apply).
QBE Comprehensive Car Insurance and QBE Third Party Property Damage Car Insurance are issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). LSH Auto (Sydney) Pty Ltd (ACN 604 103 915) trading as Smart Mobility Sydney, LSH Auto (Melbourne) Pty Ltd (ACN 618 554 635) and LSH Auto (Brisbane) Pty Ltd ACN (606 816 497) act as referrers and do not receive commission for any referrals they make 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 Product Disclosure Statement (PDS), and Target Market Determination (TMD).
*$75 discount off base premium for smart car customers who purchase a new QBE Comprehensive Car 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.