Get a car insurance quote
Get a home insurance quote
Get a small business quote
Car insurance
Whether your car’s a road-tripper or a runabout, QBE offers car insurance which provides cover if the unexpected were to happen. It can help cover costs for repairs to your car, or damage to someone else’s vehicle or property through the use of your car.
Earn 30,000 Velocity Points when you buy a new QBE Comprehensive Car Insurance policy online, and receive a bonus 10,000 Points upon renewal. Or earn up to 15,000 Velocity Points when you buy a new QBE Third Party Property Damage Car Insurance policy online, and receive a bonus 5,000 Points upon renewal.*
Home insurance
A property is a valuable asset, and your belongings help to make your house a home, so you may want to consider insuring them. QBE home insurance offers you three products with flexible cover options that may suit your needs. Choose from buildings cover for the place you call home, contents cover for your belongings whether you own or rent your home, or landlord insurance for an investment property that brings in returns.
Earn 30,000 Velocity Points when you buy a new QBE home insurance policy online, and receive a bonus 10,000 Points upon renewal.*
Small business insurance
Every business is different, so the industry in which you operate and the products and services you provide will determine the insurance required for your small business. Small business insurance includes your business liability, and can include cover for business buildings and contents cover and more. QBE Small Business Insurance is designed for occupations like accountants, hairdressers, florists and tradies.
Earn 15,000 Velocity Points when you buy a new QBE Small Business Insurance policy online, and receive a bonus 5,000 Points upon renewal.^
Why choose QBE insurance?
Earn Velocity Points when you buy and renew a QBE policy
Earn Velocity Points when you buy a new QBE car or home insurance policy online*, or a new QBE Small Business Insurance policy online^, and get rewarded with more Velocity Points when you renew after the first 12 months.
Claim online anytime
In tough situations, you’ll have access to expert claims teams and a selected supplier network ready to help.
Trusted insurer
We’re an insurer that’s been protecting Australians for 140 years.
QBE can help provide cover for your car, home or small business
QBE 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
- The cost of 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 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, and was insured from new with QBE.
Optional benefits you can add to your policy
(for an additional premium)- Hire Car – Extra, provides a hire car for up to 14 days when you’ve caused a car accident or your car has been damaged by hail for example
- ‘No Excess’ Windscreen – you won’t need to pay an excess to replace your car's windscreen or window glass (conditions apply)
- Choice of Repairer – you can choose which licensed repairer will repair your car.
QBE Home Insurance
Buildings and contents insurance for homeowners that can cover the cost of replacing or repairing your home and/or belongings if the unexpected happens. This could include loss or damage caused by things like fire, storm, theft and more. You can insure either your home buildings, contents or both.
What’s included?
Your home insurance cover will depend on whether you’ve chosen to insure your buildings, its contents, or both. Buildings and contents cover can include:
- Cover for damage or loss caused by storm, fire, theft, flood and more
- Up to $30 million legal liability cover
- Emergency temporary repairs
- A guarantee on buildings repairs made by our repairers
- Temporary accommodation costs for up to two years if your home isn’t liveable due to damage by an insured event
- Burnout of electric motors
- Up to 30% Buildings Sum Insured Safeguard benefit (eligibility criteria applies)
- Cover for your contents in transit to your new residence
- Contents cover for up to 60 days at both your current and new permanent homes when you move house
- Security upgrades after a burglary
- Environmental upgrades.
Optional benefits you can add to your policy
(for an additional premium)- Accidental Damage option – cover for damage caused by accidents
- Portable Contents option (if you have contents cover) – cover for your belongings away from home.
QBE Small Business Insurance
QBE Small Business Insurance automatically comes with Business Liability cover. It provides cover for the associated costs if customers, suppliers or members of the public are injured or sustain property damage as a result of your business activities. You can also add extra covers to suit your business needs.
What’s included?
Business liability cover (sometimes referred to as public liability) provides cover for personal injury or property damage caused in connection with your business, with the option of a $5m, $10m or $20m limit.
Optional cover you can add to your policy
(for an additional premium)- Business Buildings and Contents cover for physical loss or damage to your business buildings and/or your business contents caused by an insured event up to the limit you select
- Business Interruption cover for loss of gross income up to the limit selected as a result of loss of or damage to property insured under ‘Business Buildings and Contents’, ‘Money’, ‘Theft’, ‘Glass’ or ‘Portable Items’ sections from an insured event
- Portable Items cover for insured items that are taken away from the location your business operates from, up to the limit you select
- Theft cover for loss or damage resulting from theft of business property up to the limit specified
- Money cover for loss or damage to money belonging to you and connected with your business, up to the limit you select
- Glass cover for damage to internal and external glass as shown on your policy schedule
- Breakdown cover for the cost of repairing or replacing insured business machinery if it breaks down, up to the limit you select
- Tax Audit cover for accountant fees associated with a statutory tax audit, up to the limit you select.
Frequently asked questions
QBE car insuranceYou 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 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.
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 can provide cover for loss of or damage to your car caused by fire, theft or attempted theft (limits apply).
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 vehicle 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 vehicle 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 normally doesn't cover damage to your car as a result of an accident. 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, can cover damage caused to someone else’s vehicle or property from the use of your car. It normally doesn't cover damage to your car as a result of an accident. It also doesn’t cover damage caused by weather events, fire or theft.
Frequently asked questions
QBE home insuranceIf the claim is for loss or damage from the same event (for example, storm damage to your home and contents), you just pay the higher excess – either your buildings or contents basic excess. Other excesses may apply to your claim, read the PDS and your Certificate of Insurance for more information.
When working out how much to insure your home for (the buildings sum insured), the amount should cover the full cost to rebuild your home, including things like fences, carports and inground swimming pools. It should also include costs like demolition and debris removal. This isn’t the same as the real estate value, and it should not include the land value. A home building calculator can help you estimate a value. If you’re still unsure, please seek professional advice as building sum insured calculators can help estimate the cost, but are provided as a guide only.
You can use a contents calculator to estimate the replacement cost for your contents. Remember to include things like carpets, internal blinds, curtains, furniture, white goods and personal items.
Items of value, including jewellery and artworks, can be listed separately on your Certificate of Insurance, as part of the overall contents sum insured.
Estimating replacement costs can be tricky, so checking prices through online retailers can be helpful. If you’re still unsure, it’s a good idea to consult an insurance professional as calculators are generic and may not be accurate.
If you move, call 133 723 to update your QBE policy with details of your new home.
Please have the following handy:
- The date of your move
- Your new address
- Details about your new home, including its age and construction materials.
QBE Contents Insurance provides cover for loss of or damage to your belongings caused by events like fires, theft, floods and more. You can upgrade your policy to include cover for accidental damage for an additional premium.
If your body corporate isn’t required by law to insure carpets and blinds, then yes, they can be insured under contents insurance. QBE Contents Insurance can insure these items in case of damage due to an insurable event such as a fire, flood or other incident outlined in the QBE Contents Insurance PDS.
No. If you’d like to insure certain items that are designed to be used, worn or carried away from home – such as laptops, mobile phones, bicycles and other valuables – you can add the Portable Contents option for an additional premium. This provides cover for the items you have selected for accidental loss or damage anywhere in Australia and New Zealand, and includes cover for up to 90 consecutive days at a time anywhere else in the world.
Yes. Our QBE home insurance provides cover for loss or damage caused by a flood. For further details, refer to the relevant PDS for limits, exclusions and conditions that apply.
As a renter or strata-owner occupier, how much you insure contents for will depend on what it could cost to replace your belongings at today’s prices. This means you’ll need to spend some time thinking about all the items within your home that may need to be repaired or replaced in case of things like theft, fires or floods.
This often includes items such as televisions, furniture, white goods, laptops, mobile phones, clothing, jewellery and artwork. If you’re a strata-owner occupier, and your body corporate isn’t required by law to insure carpets and blinds, you may want to consider them too.
You can use a contents insurance calculator to help you estimate the replacement cost.
If you have either fully or partially furnished your rental property and you want to cover your contents that are for your tenants use, you can select landlord contents cover.
This can help to cover your contents in case of events such as malicious damage or theft by tenants, or paying guests.
Landlord contents cover can also be useful for strata-lot owners who want to cover fixtures within the property that the body corporate is not required by law to insure.
Read the QBE Landlord Insurance PDS for limits, exclusions and conditions that apply.
This all depends on your circumstances and how much cover you need. At QBE, we offer a range of landlord insurance choices:
- Buildings cover: Cover for your rental property and permanent fixtures
- Contents cover: Cover for the contents in your rental property that you have provided for your tenants to use as part of their tenancy. If you are a strata-lot owner, this could be useful if you want to cover fixtures within your strata property that the body corporate is not required by law to insure
- Buildings and contents cover: Cover for your rental property and your contents.
If we agree, you can also add the Rent Default by Tenant option for an additional premium.
Head to the QBE home insurance claims page to make a claim online or call 133 723.
Frequently asked questions
QBE Small Business InsuranceSmall business insurance is designed to help business owners manage a variety of risks. It typically bundles a variety of cover types together in one easy-to-manage policy, rather than buying each one separately, saving time and potentially cost. The most common type of cover is business liability, which can provide financial protection if a liability claim is made against your business. Other additional options may be available to cover things like your business buildings and contents, machinery and equipment, tools and stock or to cover you in case of business interruption, theft and more.
Most businesses face some type of risk every day, even small businesses, which is why insurance is so important. Also, there are some types of insurance that are compulsory for many small businesses. For example, it might be a legal requirement to have a certain level of business liability cover before you can start work. You may also need to consider other cover depending on your business needs, preferences and risk profile.
Every business is different, so the industry in which you operate and the products and services you provide will determine the insurance to consider for your small business. Most businesses need public liability cover which is why QBE’s Small Business Insurance automatically comes with business liability cover. It covers you for all sums you become legally liable to pay by way of compensation in respect of personal injury or property damage happening during the period of insurance and caused by an occurrence in connection with your business occupation.
If you’d like cover for other parts of your business, like your business buildings, tools and equipment, and stock, you can choose to add these as options when you get a quote.
Read the QBE Small Business Insurance Policy Wording to decide if the product is right for you.
Business liability is sometimes referred to as public liability and provides protection to businesses or individuals employed by the business in case they’re held legally responsible for causing bodily injury or property damage to third parties. The cost of this cover will depend on a number of factors, like the type of business and the risks involved. Every business is unique, so we ask questions to determine our pricing and if we’re able to offer the covers selected.
Frequently asked questions
Velocity PointsTo be eligible to get the Sign-Up Velocity Points when you take out a QBE Comprehensive Car Insurance, QBE Third Party Property Damage Car Insurance, QBE Home Insurance, QBE Contents Insurance or QBE Landlord Insurance policy with QBE you must:
- Be a member of the Velocity Frequent Flyer program. Not a Velocity member? Join here for free
- Provide your Velocity membership details (including first name, last name and membership number) when purchasing the eligible policy online via the dedicated QBE Velocity Offer page within the promotional period
- Purchase a new QBE Comprehensive Car Insurance, QBE Third Party Property Damage Car Insurance, QBE Home Insurance, QBE Contents Insurance or QBE Landlord Insurance policy online
- Hold the new policy for at least 90 days and make at least 1 premium payment or instalment payment during that period.
To be eligible to get the Anniversary Velocity Points with QBE you must:
- At 12 months complete a renewal of the eligible QBE Comprehensive Car Insurance, QBE Third Party Property Damage Car Insurance, QBE Home Insurance, QBE Contents Insurance or QBE Landlord Insurance policy
- Hold the relevant policy for at least 90 days from the renewal date and have made a renewal payment.
Members will only be eligible to get the Anniversary Bonus Points once (on the first renewal) for the relevant insurance policy.
To be eligible to get the Sign-Up Velocity Points when you take out a QBE Small Business Insurance policy with QBE you must:
- Be a member of the Virgin Australia Business Flyer program. Not a member? Join here
- Provide your Virgin Australia Business Flyer membership number when purchasing the eligible policy online via the dedicated QBE Velocity Offer page within the promotional period
- Purchase a new QBE Small Business Insurance policy online
- Hold the new policy for at least 90 days and make at least 1 premium payment or instalment payment during that period
- In order to receive Velocity Points for the QBE Launch offers, the Eligible Customer's Virgin Australia Business Flyer membership and QBE Small Business Insurance policy must be active at the date Velocity Points are to be allocated.
To be eligible to get the Anniversary Velocity Points with QBE you must:
- At 12 months complete a renewal of the eligible QBE Small Business Insurance policy
- Hold the relevant policy for at least 90 days from the renewal date and have made a renewal payment.
Members will only be eligible to earn the Anniversary Bonus Points once (on the first renewal) for the relevant insurance policy.
Between 19 November 2025 and 5.00pm (AEST) 30 June 2026, Velocity members can get:
- 30,000 Velocity Points when you take out a QBE Comprehensive Car Insurance, QBE Home Insurance, QBE Contents Insurance or QBE Landlord Insurance policy and 10,000 Velocity Points when you renew that policy after 12 months (Points awarded within 95 days after start date of new policy and renewal)*
- 15,000 Velocity Points when you take out a QBE Third Party Property Damage Car Insurance policy and 5,000 Velocity Points when you renew that policy after 12 months (Points awarded within 95 days after start date of new policy and renewal)*
For policies with a start date between 19 November 2025 and 5.00pm (AEST) 30 June 2026, Virgin Australia Business Flyer members can get:
- 15,000 Velocity Points when you take out a QBE Small Business Insurance policy and 5,000 Velocity Points when you renew that policy after 12 months (Points awarded within 95 days after start date of new policy and renewal)^.
Yes, you can get Points on multiple new policies for the relevant insurance products – such as QBE Home Insurance and QBE Comprehensive Car Insurance.
Velocity Points will be allocated within 5 days once the eligibility criteria is met.
You will not be eligible to receive Velocity Points. You must hold the eligible new policy for at least 90 days and make at least 1 premium payment or instalment payment during that period.
Only one Velocity membership number can be linked per policy.
Further support
For any enquiries related to your QBE Insurance policy, please contact QBE on 133 723 Monday to Friday, 8am-7pm and Saturday, 8am-1.30pm.
For all other Velocity membership or Points enquiries, visit Velocity member support.
Frequently asked questions
For any QBE insurance product complaints please contact QBE directly on 1300 650 503 Monday to Friday, 9am-5pm AEDT or lodge the complaint online on the QBE website.
For all other Velocity membership and Velocity Points enquiries, visit Velocity member support.
The QBE Comprehensive Car Insurance, QBE Third Party Property Damage Car Insurance, QBE Home Insurance, QBE Contents Insurance, QBE Landlord Insurance and QBE Small Business Insurance products (Eligible Insurance Products) are issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). QBE has appointed Velocity Frequent Flyer Pty Ltd (ABN 60 601 408 824) (Velocity) as a referrer for Eligible Insurance Products issued by QBE. QBE pays Velocity for any Velocity Points earnt by Velocity members through taking up an Eligible Insurance Product 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 these products are right for you, please read the relevant Policy Wording or Product Disclosure Statement (PDS) and Target Market Determination (TMD).
This website is owned and operated by QBE Insurance (Australia) Limited (AFSL 239545) (QBE). By proceeding, you acknowledge you are now on QBE’s website and agree with our Website Terms and Privacy Policy.
*30,000 Points on a new QBE Comprehensive Car Insurance, QBE Home Insurance, QBE Contents Insurance or QBE Landlord Insurance products and 10,000 Points upon renewal. 15,000 Points on a new QBE Third Party Property Damage Car Insurance and 5,000 Points upon renewal. Points awarded within 95 days after start date of new policy and renewal. Ends 30.06.26. Please refer to the Terms & Conditions.
^15,000 Points on a new QBE Small Business Insurance policy and 5,000 Points upon renewal. Points awarded within 95 days after start date of new policy and renewal. Ends 30.06.26. Please refer to the Terms & Conditions.