Award winning insurance 

We're excited our car insurance has won Mozo People's Choice Awards for being Highly Trusted and for Outstanding Customer Satisfaction.

 Mozo People’s Choice Award 2019 highly trusted car insurance Mozo People’s Choice Award 2019 outstanding customer satisfaction for car insurance

Choose your level of car insurance cover

 

Comprehensive car insurance tile child and parent leaning out of car window Nominated driver car insurance tile car at beach with boot open parent carrying bag Third party car insurance tile person leaning on car texting Third party fire and theft car insurance tile person holding automatic car key
Comprehensive Car insurance Comprehensive (Preferred / Nominated) Car insurance Third Party  Car insurance Third Party, Fire and Theft Car insurance

Covers damage to your car and other people's cars and property.

  • Accidental damage
  • Theft
  • Fire
  • Up to $500 Essential temporary repairs
  • Towing costs
  • Up to $1000 Emergency accommodation and transport
  • Up to $30m for Legal liability
  • Lifetime repair guarantee on authorised repairs

Covers damage to your car and other people's cars and property.

  • Accidental damage
  • Theft
  • Fire
  • Up to $500 Essential temporary repairs
  • Towing costs
  • Up to $1000 Emergency accommodation and transport
  • Up to $30m for Legal liability
  • Lifetime repair guarantee on authorised repairs
Covers damage to other people's cars or property but not your own.
  • Legal liability

Covers damage to another person's car or property, plus fire and theft protection for your car.

  • Legal liability
  • Who's covered

    Anyone

    Who's covered

    Preferred: Anyone over 24

    Nominated: You and another driver listed on the policy over the age of 19.

    Who's covered

    Anyone

    Who's covered

    Anyone

    Find out more about Comprehensive Car insurance Find out more about Comprehensive (Preferred/Nominated) Car insurance Find out more about Third Party Car insurance Find out more about Third Party Fire and Theft Car insurance
     
    Read the Product Disclosure Document and the Supplementary Product Disclosure Statement before deciding which product is right for you.
     

    Comprehensive vs Third Party Car insurance

    Comprehensive vs Third party insurance banner two cars parallel parked on curb of street

    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 have your windscreen replaced by an identical one. We would recommend, you contact Obrien Glass -  our preferred Glazier for any incident where your glass is chipped or cracked and they will make arrangements for your windscreen to be repaired or replaced. If you have opted into “ Excess free Windscreen or Window Glass Option” with your comprehensive, comprehensive nominated or comprehensive preferred motor policy,  you may not have to pay an excess for any claims involve the accidental damage of glass on your insured vehicle. These claims will also not impact your No Claim Bonus.

    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.

    Compulsory Third Party (CTP) car insurance, or a Green Slip in New South Wales, is a legal requirement for anyone who owns a registered vehicle. If you, or anyone driving your car causes an accident in which someone else is injured, it’ll cover certain costs of their compensation claim. It doesn’t cover damage to your car or to other people’s cars or property.

    Other types of car insurance offer additional levels of protection. Comprehensive car insurance covers accidental loss or damage to your car if you have a collision, it’s stolen or damaged by fire or during a weather event, such hail or flood.

    It also covers you for damage that your car causes to other peoples’ property. Comprehensive car insurance is not compulsory, but it does offer peace of mind that you won’t be left facing a major bill alone without insurance if things go wrong.

    Find out more about what your legal obligations are as a car owner.


    Choosing the right car insurance depends on your needs. Comprehensive car insurance covers accidental loss or damage to your car if you have a collision, it’s stolen or damaged by fire or during a weather event, such as hail or flood. It also covers you for damage that your car causes to other peoples’ property.

    Third party car insurance covers damage to other people’s cars or property, but not your own and Third party fire and theft car insurance covers damage to another person’s car or property, plus fire and theft protection for your own car.

    Compulsory Third Party (CTP) insurance is a legal requirement for anyone who owns a registered vehicle.


    Car insurance is a way of protecting yourself against financial loss should something go wrong. Depending on what type of car insurance you have, it can help cover the costs of damage to your car in certain circumstances. For example, Compulsory Third Party (CTP) car insurance covers the reasonable and necessary medical cost of injuries to people if your vehicle is involved in an accident.

    Comprehensive car insurance covers accidental loss or damage to your car if you have a collision, it’s stolen or damaged by fire or in a weather event such as hail or flood up to policy limits.

    It also provides limited coverage for damage that your car causes to other peoples’ property.

    When deciding on the appropriate car insurance policy for you it’s a good idea to consider the specific policy inclusions and exclusions as set out in the Product Disclosure Statement (PDS). You may also want to take note of the excess, whether you’re covered for the cost of a hire car after an incident, and for how long the policy offers a new car replacement benefit.

    All car owners need Compulsory Third Party (CTP) insurance – it’s a legal requirement. CTP insurance covers reasonable and necessary medical costs arising from injury or death caused to other people on the road and, provided your car is registered, you’ll already have it. However, CTP doesn’t cover the cost of damage to yours or anyone else’s car or property.

    Comprehensive car insurance covers accidental loss or damage to your car up to policy limits if you have a collision, it’s stolen, damaged by fire or in a weather event such as hail or flood.

    It also covers you for insured damage that your car causes to other people’s property.


    Comprehensive car insurance covers accidental loss or damage to your car if you have a collision, it’s stolen, damaged by fire or in a weather event, such as hail or flood up to policy limits.

    It also provides limited coverage for damage that your car causes to other peoples’ property.


    CTP and Comprehensive car insurance are separate products sold by QBE. CTP is a legal requirement for anyone who owns a registered vehicle, whereas Comprehensive car insurance is a voluntary insurance product sold by QBE.

    Compulsory Third-Party (CTP) insurance, or a Green Slip in New South Wales, covers reasonable and necessary medical costs arising from injury or compensation to close relatives in the event of a death caused to other people on the road. CTP is compulsory in all states in Australia and, in New South Wales, South Australia and Queensland, you can select your provider. CTP insurance will not cover damage to your or other people’s cars and property in the event of an incident.

    Comprehensive car insurance covers accidental loss or damage to your car if you have a collision, it’s stolen or damaged by fire or in a weather event, such as hail or flood up to policy limits.

    It also provides limited coverage for covers you for damage that your car causes to other peoples’ property.


    Third-Party insurance provides limited coverage for damage to the other person’s vehicle or property in an incident. This type of cover is not compulsory in Australia and generally won’t cover damage to your own vehicle or injury to another person in an incident on the road.

    Compulsory Third-Party (CTP) insurance, or a Green Slip in New South Wales, covers reasonable and necessary medical costs arising from injury or death caused to other people on the road. CTP insurance is compulsory in all states in Australia and, in New South Wales, South Australia and Queensland, you can select your provider. CTP insurance won’t cover damage to your or other people’s cars and property in the event of an incident. Find out more about QBE’s CTP insurance.


    Head to our car insurance claims page to make a claim online or call us on 133 723
    The cost of car insurance depends on a number of factors, such as your level of cover, type of car and driving history. The easiest way to compare car insurance and see how much it may cost you is to get a quote.
    Excess is the amount you have to pay if you make a claim on your car insurance policy. You can check the excesses that apply to you on your Policy Schedule. Let’s say you’re involved in a car accident and you’re found to be at fault, the cost of repairing your car might be $4000 and damage to another car might be $3000. But if your excess was $600, you would pay the first $600 and your insurance company pays the remainder of your costs and, if another vehicle is involved, the costs of the other vehicle up to policy limits. Find out more about excesses and how they work.

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    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-7pm, Sat 8am-1:30pm (AEST)