What is comprehensive car insurance?
Comprehensive car insurance is a popular choice among Australian car owners because it provides cover for a wide range of damage caused by things like fire, theft, natural disasters, and collisions with other vehicles or animals.
When you choose QBE Comprehensive Car Insurance, you’ll automatically get our three-year replacement benefit if you have owned it from new. This means that if your car is written off in its first three years, we'll replace it with a brand new one as long as your car has driven less than 60,000km.
Award-winning insuranceFinder has awarded us the best-rated National Car Insurance Brand for Customer Satisfaction in 2021/2022.
For the fourth year running, we’ve been named Finder’s Green Insurer of the Year in 2023. We’re honoured to receive this recognition. A big thank you to our customers, people and partners for helping us enable a more resilient planet.
Our Comprehensive Car Insurance has been named a Mozo Experts Choice Exceptional Quality Award winner in 2023.
What does QBE Comprehensive Car Insurance cover include?
- Accident damage, fire and theft
Damage to your car caused by collision or impact, theft or attempted theft, fire or explosion and malicious damage.
- Three-year new car replacement
New car replacement if yours is written-off within the first three years, if it was insured from new with QBE Comprehensive Car Insurance and has driven less than 60,000km.
- Hire car when you’re not at fault in a car accident
We’ll arrange and pay the reasonable daily cost of a hire car if your car is damaged in a not at fault car accident.
- Guarantee on repairs authorised by QBE
We’ll guarantee the quality of workmanship and materials used in your car’s repairs, for as long as you own it.
- Towing costs
If you need to have your car towed after an incident, we’ll cover the reasonable cost to get it to the nearest repairer or somewhere safe.
- Weather damage
We’ll cover your car for damage caused by weather events like hail, flood, fire and storm.
- Legal liability
We’ll cover your legal liability to pay compensation which arises from damage to someone else’s property, caused by the use of your car. The most we’ll pay for all legal liability claims arising from any one incident is $30 million.
- Essential temporary repairs
We’ll pay up to $500 for essential temporary repairs needed to get your car back on the road.
- Emergency accommodation and transport costs
We’ll pay up to $1,000 for essential accommodation and transport needed to get the driver and passengers of your car home if the incident occurs more than 100km from home.
- Theft of your car keys
We’ll cover the cost of replacing keys or recoding locks if your car keys are stolen and you report the theft to police.
Three straightforward options for Comprehensive Car Insurance
You can add any or all of the following options to your Comprehensive Car Insurance policy for an extra premium.
Hire Car – Extra
Add this option if you’d like a hire car cover for up to 14 days while we fix your car. You may be eligible after an accident caused by your car’s driver or damage caused by events like hail or fire.
‘No Excess’ Windscreen
If you choose this option, you won’t need to pay an excess to replace your car’s windscreen, sunroof or window glass if damaged.
Choice of Repairer
Our hand-picked nationwide repairer network has been chosen to ensure you get a high-quality, guaranteed repair. You may also choose your repairer.
Ways to save on your QBE Comprehensive Car Insurance
We reward good driving and a clean claims history by offering our best price. When you choose QBE for your comprehensive cover, you’ll get an up-front premium that considers the information you’ve provided about how you use your car.
Here are two ways to lower your QBE Comprehensive Car Insurance premium:
- Choose a higher excess – you can lower your premium by choosing a higher basic excess for your QBE Comprehensive Car Insurance cover, depending on your circumstances. Before you do, find out more about how insurance excesses work.
- Buy online – buy a new QBE Comprehensive Car Insurance policy online and save $75. Get a quote.
Learn more about car insurance
CTP, comprehensive and third party car cover explained
Not sure what car insurance you need? Learn the difference between CTP, comprehensive car insurance and third party property damage car insurance.
Car owners: your legal obligations
Cars give us the freedom to go where we want when we want, but with convenience comes responsibility. As a car owner, you need to meet two legal requirements: registration and Compulsory Third Party (CTP) insurance.
CTP and Green Slips explained
CTP insurance (also known as a Green Slip in New South Wales) covers the cost of third party compensation claims if you, or anyone driving your car, injures someone in an accident. Third parties include other drivers, passengers, pedestrians, motorcyclists and cyclists.
Comprehensive car insurance FAQs
Compulsory Third Party (CTP) insurance, also known as a Green Slip in NSW, is mandatory as a separate purchase in NSW, QLD, SA and ACT. In other parts of Australia, vehicle registration includes personal injury insurance.
If you or anyone driving your car injures someone in an accident, CTP covers their medical costs and compensation they’re entitled to. CTP doesn’t cover damage to your car or the responsibility of the driver of your car for damage caused to other people’s vehicles or property.
Comprehensive car insurance covers damage to your insured car and damage to other vehicles or property caused by the use of your car. It also covers repairs to your car for damage caused by unexpected things like collision, fire, theft or weather events. If someone collides with your car, we'll arrange for your car’s repair without you having to chase the responsible driver for the repair bill.
While not compulsory, comprehensive car insurance provides the highest level of cover if things go wrong.
For full details about what is and isn’t covered by QBE Comprehensive Car Insurance, read the Product Disclosure Statement (PDS) and Target Market Determination (TMD).
No, CTP isn’t included in comprehensive car insurance.
CTP is a separate type of insurance covering injury you cause to another person on the road. Comprehensive car insurance covers repairs to your car for damage caused by things like collision, fire, theft and the weather. It also covers damage to someone else’s vehicle or property caused by the use of your car.
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. Depending on where you live, CTP is either sold as a separate policy (NSW, QLD, SA and ACT), or as part of a motor vehicle’s registration bill.
Comprehensive car insurance covers repairs to your car for damage caused by things like collision, fire, theft and the weather. It also covers damage to someone else’s car or property caused by the use of your car.
While not compulsory in Australia, comprehensive car insurance provides the highest level of cover if things go wrong.
Comprehensive car insurance covers repairs to your car for damage caused by things like collision, fire, theft and the weather. It also covers damage to someone else’s car or property caused by use of your car.
QBE’s Comprehensive Car Insurance also has standard features, which help with the cost of necessary towing, emergency accommodation and replacing keys or recoding locks if someone steals your car keys. The cost to replace a damaged or stolen baby capsule or child seat is also covered in the case of theft if stolen with your car.
You can also upgrade your QBE Comprehensive Car Insurance to include three straightforward options. Take a look at the QBE Comprehensive Car Insurance Product Disclosure Statement (PDS) for more information.
Your comprehensive car insurance premium will depend on several 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 Comprehensive Car Insurance quote. Your premium is the cost of buying your policy. It’s the amount we set by considering things like the chances of you making a claim, the options you’ve chosen, the overall cost of claims we expect to pay, our business expenses and other commercial factors.
To find out more, read the QBE Comprehensive Car Insurance Additional Information Guide.
Check the accident scene is safe. Call the police and an ambulance if anyone’s injured or there’s significant property damage. Prevent further damage to your car and keep it secure.
Ensure you collect the name, address, phone number, registration number and car insurance details of any other driver involved and the contact details of any witnesses.
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 covers your car and its driver for accidental damage to other people's vehicles and property caused by the use of your car. For example, we’ll cover you if you accidentally run into another car at the traffic lights.
Third party property damage car insurance provides less protection. It covers your legal liability to pay compensation for damage to someone else’s vehicle or property caused by the use of your car. It doesn’t cover your car’s repairs if its driver causes an accident. It also doesn’t cover damage caused by things like 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 up to the amount shown on your Certificate of Insurance.
It’s worth considering your car’s value and the level of cover you’d like.
Compare our car insurance options for more information.
If your car’s windscreen, sunroof or window glass is damaged and we determine it can be repaired without replacing the glass, we’ll organise its repair, and no policy excess will apply. We cover this type of repair as a standard feature under our comprehensive car insurance.
If you’ve chosen to add the ‘No Excess’ Windscreen option to your QBE Comprehensive Car Insurance policy, you won’t need to pay an excess if your claim is only for damage to your car’s windscreen, sunroof or window glass, and the item needs replacing.
Yes, if you insured the car from new, it’s less than three years old and has driven less than 60,000km.
Otherwise, if we declare your car a total loss, we’ll pay you its agreed value or market value, depending on the level of cover you’ve chosen.
To avoid your claim being delayed, reduced or refused, you must not admit fault or liability if you’re involved in an incident.
Contact QBE’s car insurance claims department so we can anticipate contact from the other driver involved. We’ll handle all communication between them or their insurance provider on your behalf. Call us 24 hours a day on 133 723.
Agreed value is the amount you and QBE agree to insure your car for one period of insurance. Your Certificate of Insurance (COI) states your agreed value. If you choose to insure your car for market value, we’ll determine the market value of your car right before the claimed incident. We use recognised industry guides to do this and consider things like its make, model, age, kilometres travelled, accessories, modifications fitted and general condition. Your premium reflects your choice of agreed value or market value.
Only if the penalty results in your driver licence being suspended, cancelled or disqualified. Tell us as soon as this happens, and we’ll review your policy.
At renewal time, you should also check your renewal document carefully and tell us of any changes to your car, how you use it and your driving history. If you’re unsure about what to tell us, call 133 723, and we can quickly confirm for you.
Learner drivers who display L plates don’t need to be listed on your policy. Under QBE’s Comprehensive Car Insurance, L platers may drive as long as they comply with their licence conditions and a properly licensed driver supervises them.
Your claims history is automatically considered when determining your policy’s premium. Customers who haven’t made a claim will normally get a lower premium. For more information, visit our understanding your premium page.
Read our Product Disclosure Statement (PDS) for full details about what is and isn’t covered.
A comprehensive car insurance policy is a contract between an insurer (us) and the insured (you). You pay a premium, and we insure for damage caused to your car by insured events such as a collision, weather events, vandalism, theft and more. We’ll also provide cover if your car causes damage to a third party’s vehicle or property.
If your car’s involved in an incident and you don’t have comprehensive car insurance, you may have to pay for any damage to your car or a third party’s vehicle or property out-of-pocket.
The information above is a summary of what’s included in QBE’s Comprehensive Car Insurance policy. For full details about what is and isn't covered, read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for this product.
Still not sure which cover is right for you? Compare car insurance products or get a comprehensive car insurance quote online now.