6

Comprehensive Car insurance

When you choose QBE’s easy to understand Comprehensive Car insurance, you’re covered for things like damage caused in an accident, weather events, fire and theft, plus damage your car causes to other people’s vehicles and property.

Get a quote

What do our customers have to say?

Feefo logo

Award-winning insurance

We’ve been named by finder.com.au as Australia’s ‘2020 Green Insurer of the Year’. We’re honoured to be recognised alongside the nation’s greenest industry leaders. A big thank you to our customers, people and partners for helping us do our bit to protect our planet. Find out more about our awards.

What's included in our Comprehensive Car insurance cover?

Comprehensive Car insurance is our highest level of cover. It automatically includes:


Accident damage, fire and theft
Your car is covered for damage caused by collision, theft, attempted theft and fire.

Three-year new car replacement
Insure your brand new car with us and if it's written-off within the first three years and has driven less than 60,000 kms we'll replace it with a new car.

Hire car when you're not at fault in a car accident
Tell us the other driver's details and we'll cover the cost of a hire car while we're taking care of your repairs.

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 things like hail, flood, fire and storm.

Damage to other people's things
We'll cover damage caused by your car if it runs into someone else's vehicle or property, up to $30 million.

Essential temporary repairs
We'll pay up to $500 for essential temporary repairs so your car can be driven straight after an incident.

Emergency accommodation and transport costs
We'll pay up to $1,000 for temporary accommodation and transport needed to get you and the occupants of your car home.

Replacing keys and recoding locks
We'll cover the cost of replacing keys or recoding locks if your car's keys are stolen.

Save $75 on new Comprehensive Car insurance. Quote now.

Three straightforward options for Comprehensive Car insurance

Hire car - extra
Add this option if you'd like the hire car cover for up to 14 days while we fix your car 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 if your car's windscreen, sunroof or window glass is damaged and needs to be replaced in order to repair it.

Choice of repairer
Our accredited smash repairers are handpicked to make sure you get a high quality, guaranteed repair. If choosing your own repairer is important to you, then you can choose this option up front.

Get a quote

Ways to save on our Comprehensive Car insurance

Ways to save on Comp car insurance text box over black car parked on street

We reward good driving and claims history by simply offering our best price. When you choose QBE for your car insurance, you’ll get an up-front, fair premium that takes into account all of the information we’ve asked you about the way your car is used.

Here are two ways to lower your Comprehensive Car insurance premium.


  • Choose a higher excess - depending on your circumstances, you can lower your premium by choosing a higher basic excess for your comprehensive car insurance cover. Before you do, find out more about how insurance excesses work.

  • Buy online - buy a new Comprehensive Car insurance policy online and save $75. Get started here.

Learn more about car insurance

Comprehensive vs Third Party Car Insurance

Comprehensive vs Third Party Car Insurance

When you’re buying 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.

Car owners: your legal obligation

Car owners: your legal obligations

Cars give us the freedom to go where we want, when we want. With that convenience comes responsibility though, and as a car owner you need to meet two legal requirements: registration and Compulsory Third Party (CTP) insurance.

CTP and Green Slips Explained

CTP and Green Slips explained

CTP insurance (known as a Green Slip in New South Wales) covers the cost of third party compensation claims, if you, or anyone driving your car, causes an accident in which someone else is injured. This includes your passengers, pedestrians, motorcyclists, cyclists, other drivers and their passengers.

Comprehensive Car insurance FAQs

Comprehensive Car insurance is our highest level of cover. It covers repairs to your car for damage caused by things like collision, fire, theft and weather events. It also covers damage the use of your car causes to someone else’s vehicle or property.

If your car’s written-off, we’ll pay its agreed value or market value, depending on which level of cover has been chosen. Or, if you bought the car from new and it’s less than 3 years old and has driven less than 60,000km, we’ll replace it with a brand new one.


Compulsory third party insurance, also known as a CTP or ‘green slip’, is mandatory as a separate purchase in NSW, QLD, SA and ACT. Similar personal injury insurance is included in a motor vehicle’s registration bill in other parts of Australia.

If you, or anyone driving your car causes an accident in which someone else is injured, CTP covers their medical costs and compensation they are 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 is the type of insurance that covers damage to your own insured car, and the damage its use can cause to other vehicles or property.

Comprehensive car insurance covers repairs to your car for damage caused by unexpected things like collision, fire, theft or weather events. If someone collides with your car, our comprehensive cover also looks after that side of things, so we arrange for your car’s repair, without you having to chase that responsible driver for the repair bill.

While not compulsory in Australia, comprehensive car insurance helps provide peace of mind, to know that your car is well protected if things go wrong.


No, CTP is a separate type of insurance that covers people being injured by motor vehicles 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 that the use of your car causes to someone else’s car or property.

If you buy comprehensive car insurance, you’ll still need to buy CTP insurance separately if you live in NSW, QLD, SA or ACT. In NSW, CTP is still often called a ‘Green Slip’.


Compulsory third party (CTP) insurance covers the cost of compensation if you, or someone driving your car causes an accident in which someone else is injured. CTP is mandatory in Australia. 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 caused by the use of your car to someone else’s car or property.

While not compulsory in Australia, comprehensive car insurance helps provide peace of mind, to know that your car is well protected 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 caused by the use of your car to someone else’s car or property.

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 your car’s keys are stolen. 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 our Comprehensive Car insurance Product Disclosure Statement (PDS) for more information.


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. Your premium is the cost of buying your policy. It’s the amount we set by taking into account things like the chance of you making a claim under your policy, the options you’ve chosen, the overall cost of claims we expect to pay and our expenses of doing business as well as other commercial factors. Find out more by reading our Additional Information Guide.

Check the accident scene is safe. If anyone is injured or there is significant property damage, call the police immediately, and an ambulance if needed. Try to prevent any 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.

Have this information at hand when you contact QBE’s Car Insurance Claims department to lodge your claim. You can call us 24 hours a day on 133 723 or lodge your claim online.


Choosing the right car insurance depends on your needs, and everyone’s needs are different. It’s important to understand the difference between comprehensive insurance and what’s known as third party property damage insurance.

Comprehensive Car insurance covers damage to your car and its driver for damage that the use of your car causes to other people's vehicles and property. For example, if your car accidentally runs into another car at the traffic lights.

Third party property damage car insurance provides less cover. 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. It does cover the legal responsibility of the driver of your car if they cause damage to other people’s property, when driving your car.

QBE’s Third Party Property Damage car insurance also can be upgraded, to include an option to cover your car for fire, theft and attempted theft damage, for up to $10,000.

It’s worth considering the value of your car, and what risks you’d like it, and its drivers, to be covered for.

Compare our car insurance options.


Head to our car insurance claims page to make a claim online, or call us on 24 hours a day on 133 723.

If your car’s windscreen, window glass or sunroof is damaged and we determine it can be repaired without needing to replace 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 policy.

If you’ve chosen the “No Excess’ windscreen option with 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 to be replaced.

If you need to make a claim for your car’s windscreen or other window glass, just head to our car insurance claims page to make a claim online, or call us on 24 hours a day on 133 723.


Call the police immediately to make a report, then contact QBE on 133 723 (24/7) to lodge your claim. You can also claim online here.
To avoid your claim being delayed, reduced or refused, you must not admit fault or liability when 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 company on your behalf. You can call us 24 hours a day on 133 723.
Agreed value is the amount you and QBE agree to insure your car for, for one period of insurance. The agreed value is shown on your Certificate of Insurance. 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 and modifications fitted as well as its general condition. Your choice of agreed value or market value is reflected in your premium.

Only if the penalty results in your drivers’ licence being suspended, cancelled or disqualified. You should always check your insurance renewal document carefully and tell us of any changes to your car, how you use it and your driving history. If you are unsure about something to tell us, give us a call on 133 723 and we can quickly confirm for you.

Learner drivers who display L plates do not need to be listed on your QBE car insurance policy. They are covered so long as they comply with their licence conditions and are supervised by a properly licensed driver.

Your claims history is automatically taken into consideration when we determine the premium for your policy. Customers who don’t make a claim will normally get a lower premium. Find out how your premium is calculated.

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) 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.


Get a quote

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) 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.

Need more help?

Call us at 133 723

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