QBE Car Insurance

QBE is a provider of car insurance, home insurance, landlord insurance, renter’s insurance, owner builder insurance, and travel insurance.

“We’re committed to protecting what’s important to you.”

QBE insurance
QBE logo (Source: QBE)

Policy Options: What QBE car insurance covers

The inclusions below represent a selection of what is covered. Additional conditions may apply to different features. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current policy options and inclusions for the product you are considering.

Source: QBE Insurance

Comprehensive

  • Legal liability cover for damage to other people’s vehicles and property.
  • Covers any driver of the car.
  • Accidental loss or damage to your car caused by events such as hail, storm, flood, and fire.
  • Theft or damage caused by attempted theft of your car.
  • Essential temporary repairs, up to $500.
  • Lifetime repairs guarantee.
  • New-for-old replacement if your car is written off within its first 2 years and 20,000km (if car was insured from new with QBE).
  • Towing costs.
  • Hire car after theft – reasonable costs up to lesser of 14 days, $1,000, recovery of stolen car, or payment of claim.
  • Travel expenses to get home, up to $50.
  • Emergency accommodation and transport, up to $1,000 if you’re more than 150km from home after an accident.
  • Redelivery of car from repairer to your home, if repairer was more than 100km from your home, up to $750.
  • Clean up of debris after accident, up to $1,000.
  • Windscreen replacement – replace your damaged windscreen with an identical one after an accident and QBE will reimburse you with no effect on your No Claims Bonus discount. (Excess is waived if repair is possible. Otherwise Optional Cover for excess-free windscreen claims is available.)
  • Fatality cover if you or a listed driver die within 12 months as a result of an insured event, up to $2,500.
  • Damage to personal effects stored in car, up to $500.
  • Replacement of keys and recoding of locks after theft or attempted theft, up to $1,000.
  • Theft of or damage to trailer attached to car and trailer’s contents, up to $1,000.
  • Tools of trade stored in car, up to $100.
  • Optional cover for No Claims Bonus protection if you only make one at fault claim during the year.
  • Optional cover for hire car after accident, up to 14 days at daily rate shown in Policy Schedule.
  • Optional cover for Four-Year New Car Replacement for first 4 years and 100,000km.

Source: QBE Insurance

Comprehensive (Preferred/Nominated)

  • Comprehensive cover with a cheaper premium because policy only covers certain drivers:
    • Preferred: Covers drivers aged 24 and over.
    • Nominated: Covers up to two nominated named drivers who are 19 years or older (for a nominated driver) or 21 years or older (for the main driver).
  • Redelivery of car from repairer to your home, if repairer was more than 100km from your home, up to $750.

Third Party, Fire and Theft

  • Legal liability cover for damage to other people’s vehicles and property.
  • Covers any driver of the car.
  • Accidental loss or damage to your car caused by fire.
  • Theft or damage caused by attempted theft of your car.
  • Uninsured motorist benefit covers you if your car is in accident with an uninsured driver where the other driver was at fault, up to $5,000 or the market value of your vehicle.
  • Lifetime repairs guarantee.
  • Redelivery of car from repairer to your home, if repairer was more than 100km from your home, up to $750.

Third Party Only

  • Legal liability cover for damage to other people’s vehicles and property.
  • Covers any driver of the car.
  • Redelivery of car from repairer to your home, if repairer was more than 100km from your home, up to $750.

CTP (Compulsory Third Party) / Green Slip

  • Legal liability cover for the driver for injuries caused to other people.
  • Offered by QBE in NSW, Queensland, and South Australia.
  • Required by law in all states and territories.

Policy Benefits: Why choose QBE

  • Award-winning: QBE was the winner of CANSTAR’s 5-star ratings award for Outstanding Value Car Insurance (2016, 2015), Outstanding Claims Service (2015), and Innovation Excellence Award (2014: Insurance Box).
  • Loyalty discount: Discount increases each year you renew with QBE Insurance.
  • Online discount: Get a 10% discount for buying a car insurance policy online.
  • Repairs: Your choice of repairer.

 

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Source: QBE Insurance

About QBE

Tell us about QBE
The Beginning of QBE (Source: QBE)

QBE began because of the ambition of two young Scotsmen, James Burns and Robert Philp, were partners in a shipping business but they were keen to expand. They founded the North Queensland Insurance Company Ltd (QI) in 1886 and then the Bankers’ and Traders’ Insurance Company (B&T) in 1921.

Sound investment strategies saw both companies weather the storms of The Great Depression and WWII. The two companies merged in 1973 to become QBE Insurance Group, in what The Australian Financial Review called “one of the largest mergers in Australian history”.

Today, QBE has been in operation for 130 years and is one of the world’s top 20 general insurance and reinsurance companies. They employ more than 14,500 people in 37 countries.

How QBE supports the community

  • QBE Foundation: The QBE Foundation directly supports charities to help people overcome disadvantage and live independently, such as Guide Dogs Australia, The Kids’ Cancer Project, Camp Quality, and The Big Issue.
  • Charitable giving and time: Employees receive one day of leave each year to volunteer for the cause of their choice. They can also apply for a local grant for the charity of their choice, or have their donations matched dollar for dollar by QBE in the workplace giving program.
  • Reconciliation Action Plan: QBE is committed to promoting sustainable opportunities for Aboriginal and Torres Strait Islander communities, organisations and businesses.
  • Sporting sponsorships: QBE sponsors the Sydney Swans, Sydney Roosters, Perth Glory, Subiaco Football Club, and NSW Swifts at the time of writing.

Source: QBE Insurance

How QBE supports the environment

 

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Written by: TJ Ryan