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QBE Car Insurance

QBE offers a diverse range of personal and commercial products, including car insurance. Read our review to learn more about their services!

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, updated on February 16th, 2024       

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QBE is one of Australia’s leading insurance companies, offering cover for cars, boats, motorcycles and caravans, as well as for homes and businesses. Founded in Townsville in the late 1800s, QBE is now headquartered in Sydney and employs workers across a range of countries, including in New York, London, Hong Kong and more.

You can read our review to find out more about QBE and their car insurance products. Learn about the ins and outs of their policies, as well as the optional extras you may have access to, today!

Disclaimer: all coverage offered by QBE is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact QBE if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent QBE for its car insurance products. All listed policies, inclusions and limits are correct as of June 2023.

What car insurance policies are available through QBE?

QBE offers the following types of car insurance to Australian drivers:

Comprehensive Car Insurance

QBE’s Comprehensive Car Insurance is its most expensive policy, offering the most coverage overall. Crucially, comprehensive insurance offers protection for damage to your vehicle due to accidents and collisions, which isn’t the case with third party policies. QBE’s policy includes the following coverage areas:

  • Loss of or damage to your car due to collision or impact, theft or attempted theft, malicious damage, fire or explosion or weather, such as hail or flood
  • Legal liability for damage to other people’s property caused by your car, up to $30 million
  • Cover damaged or stolen personal items inside your car (up to $1,000)
  • Replace damaged or stolen baby capsules and child seats inside your car
  • Reasonable cost of emergency accommodation and transport home if your car is deemed unsafe to drive (up to $1,000)
  • Reasonable cost of transport to your destination if your car is deemed unsafe to drive (up to $100)
  • Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after a covered event
  • Reasonable daily cost of a hire car after a not-at-fault accident until repairs are completed, your claim is paid or repair costs are paid
  • Reasonable daily cost of a hire car after theft or attempted theft for up to 14 days
  • Essential temporary repairs to ensure your car is safe to drive (up to $500)
  • New car replacement for vehicles insured from new with QBE Comprehensive cover within the first three years and 60,000km
  • Cover for damage to, or loss of, your trailer if stolen or damaged while attached to your car (up to $1,000)
  • Cover for the cost of replacing or recoding keys, locks or barrels if your keys are stolen (and reported to the police)
  • Temporary change of car cover, transferring your policy’s cover to a replacement car for up to 14 days after you sell your vehicle
  • No excess for claims relating solely to the repair of your car’s windscreen, window glass or sunroof glass
  • Quality of repairs guaranteed by QBE
Third Party Property Damage Car Insurance

Their second, cheaper car insurance policy, Third Party Property Damage Car Insurance is more barebones in terms of its coverage. If you purchase this policy through QBE, you can expect the following inclusions:

  • Legal liability for damage to other people’s property caused by your car, up to $30 million
  • Damage to your vehicle caused by an uninsured driver (up to $5,000)
  • Temporary change of car cover, transferring your policy’s cover to a replacement car for up to 14 days after you sell your vehicle

However, you can upgrade your TPPD policy by adding QBE’s Fire and theft cover. This provides you access to the following additional protections:

  • Loss of or damage to your car due to theft, attempted theft or fire
  • Replace damaged or stolen baby capsules and child seats inside your car
  • Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after a covered event
  • Reasonable daily cost of a hire car after theft or attempted theft for up to 14 days
CTP Insurance

Compulsory third party (CTP) insurance, otherwise known as Green Slip insurance in NSW, is mandatory in all states and territories in Australia. However, while some state governments offer this as part of vehicle registration, others have a list of approved insurers from which you can buy cover. In the case of QBE, you can buy CTP insurance if you’re in NSW, Queensland or SA. Though the cover specifics vary between states, these policies can include:

  • Liability for injuries caused to third parties in a motor vehicle accident by any driver of your car
  • Cover for compensation claims made by third parties injured in an accident caused by any driver of your car

Are there any optional extras available through QBE?

Yes – QBE offers several optional extras on their Comprehensive Car Insurance policies. These are:

  • Reasonable daily cost of a hire car for up to 14 days after another claimable incident (including at-fault claims) until repairs are completed, your claim is paid or repair costs are paid
  • No excess for claims relating solely to the replacement of your car’s windscreen, window glass or sunroof glass
  • Choice of repairer

What are some of the pros and cons of buying car insurance through QBE?

  • Up to $30 million in cover for property damage: if you’re responsible for damage to someone else’s property, you can receive legal liability cover for up to $30 million, whereas many other insurers offer $20 million.
  • New for old replacement up to three years: if your car meets the qualification requirements set out by QBE, it can be replaced with a new car if it’s declared a total loss within three years and 60,000km.
  • Choice of agreed and market value: you’ll have the option of insuring your vehicle either for market value (what it’s worth at the time of the incident) or agreed value (an agreed sum with QBE).
  • Limited Fire and theft cover: the cover you receive on the upgraded Fire and theft cover policy is more limited than what’s available with some other insurers.
  • No roadside assistance available: QBE doesn’t provide any roadside assistance, meaning you’ll have to purchase this with another provider if you wish to gain access to this service.

Common questions about GIO car insurance

Are there any discounts available through QBE?

As of June 2023, QBE offers a discount of $75 on their Comprehensive Car Insurance products if you purchase them online. There are other ways you may be able to save on your car insurance, such as by maintaining a strong driving record.

Can I add a learner driver to my QBE car insurance policy?

You don’t need to list a learner driver on your car insurance policy, provided they’re in the vehicle with an adequately licenced supervisor.

In what states does QBE operate in Australia?

QBE offers car insurance in all Australian states and territories.

How do I make a claim through QBE?

Through QBE, you can lodge your claim online or over the phone 24/7.

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Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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