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Comprehensive vs Third Party

When you’re choosing car insurance it’s important you have the facts so you can make an informed decision. Understanding what you’re covered for will help you avoid unexpected costs and provide maximum peace of mind.

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.

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.

You might also be interested in...

Motorcycle insurance

Flexible cover for your motorcycle, delivered by experts. Choose QBE and enjoy our price guarantee: if a competitor gives you a lower quote, we’ll beat it (terms and conditions apply).

Caravan insurance

Comprehensive protection for your little piece of home – on the road, at a caravan park or at home. We cover caravans, camper trailers, motorhomes and more.

Compulsory Third Party insurance (CTP)

Compulsory Third Party insurance made easy, for drivers in New South Wales and Queensland. Make the switch to QBE.

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.

Need more help?

Call us at 133 723

Mon-Fri 8am-8pm, Sat 8am-1:30pm (AEST)