Bupa Car Insurance Review | Cover, Features & Extras | Savvy

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Bupa is a leading insurer with a range of car insurance policies for Australian drivers on offer. Read our review to learn more about its products!

Written by , updated on February 16th, 2024

Best known as a health and care provider, Bupa also offers Australians a range of other insurance services, including car insurance. Backed by Hollard Insurance, Bupa has a range of policies to choose from, depending on your car insurance needs.

We break down Bupa’s products in this review so you can understand what its car insurance options are. Find out what they cover and the optional extras you can add today!

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

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

What car insurance policies are available through Bupa?

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

Bupa Ultimate Comprehensive Cover

Bupa Comprehensive Cover

Bupa Third Party Property Cover

Bupa Ultimate Comprehensive Cover

Bupa’s Ultimate Comprehensive insurance provides all the features of its standard Comprehensive plan with additional benefits included. It offers the following inclusions:

Coverage for the loss or damage to your car due to accident, collision, theft or attempted theft, malicious damage, fire (including bushfire) or natural events
New-for-old car replacement applies if the car is a total loss within the first 3 years of its original registration, has travelled less than 70,000km and you are the first registered owner
Hire car after theft, with reimbursement of up to $80 per day for a maximum of 14 days
Up to $1,000 coverage for accidental loss or damage to a trailer or caravan attached to your car
Up to $500 reimbursement for essential temporary repairs to make your car roadworthy
Coverage for loss or damage to your car during transportation within Australia, including loading, unloading and various modes of transport
Up to $1,000 coverage for accidental loss, theft or damage to personal property
Coverage for child safety seats, baby capsules and prams up to $500 in case of damage or theft while in the car
Up to $2,000 reimbursement for emergency travel and accommodation expenses if your car is undrivable and you are far from home
Coverage of up to $2,000 for replacement or recoding of car locks and keys if they are stolen
Reasonable coverage of towing costs to a safe location or approved repairer for a damaged car
Coverage of up to $2,000 for rental car excess or security bond required under a rental or loan car agreement in case of loss or damage to the car while in your custody
Up to $30 million for any legal liability from an accident, including legal costs and expenses covered by the policy
Legal liability cover for accidents involving uninsured substitute cars that you have legal use of, while your car is being repaired and cannot be driven

Bupa Comprehensive Cover

Comprehensive car insurance provides extensive protection if your car is in an accident or otherwise damaged . Bupa's comprehensive policy has the following inclusions:

Coverage for your car in case of accidents, collision, theft or attempted theft, malicious damage, fire (including bushfire), or natural events
New-for-old car replacement within the first 24 months from the starting date of its original registration if your car is stolen or damaged
In the event of theft, coverage for a hire car with a daily limit of up to $70 for a maximum of 14 days
Trailer and caravan cover, up to $1,000 for accidental loss or damage occurring while it was attached to your car
Essential temporary repairs up to $500 to restore your car to a roadworthy condition for safe driving to your intended destination
Transit cover covering loss or damage to your car during transportation between places in Australia
Up to $500 for accidental loss, theft or damage to personal property
Up to $500 for child safety seats and prams damaged or stolen while in the car
Up to $500 for emergency travel and accommodation when your car is undrivable and you are more than 200 kilometres from home
Up to $1,000 for replacement or recoding of stolen car keys and locks
Reasonable costs covered for towing your damaged car to a safe place or approved repairer
Up to $20 million coverage for legal liability, including compensation, legal costs, and expenses, for damage to other people's property caused by an accident that is your fault
Legal liability cover for accidents involving uninsured substitute cars that you have legal use of, while your car is being repaired and cannot be driven

Bupa Third Party Property Cover

Bupa’s Third Party Property cover offers the most basic level of optional cover, covering you for damage that your car causes to other people's vehicles and property. It includes:

Legal liability cover up to $20 million, compensating you for damage to other people's property resulting from accidents caused by your car, a substitute car or a trailer/caravan attached to your car at the time of the accident
Up to $3,000 for damage to your vehicle in the event of a collision caused by an uninsured third party

This cover can be extended to include Fire & Theft cover as an optional extra, which offers the following inclusions:

Up to $10,000 in the case of theft, attempted theft or fire (including bushfire)
Rental car after theft, up to $70 per day for a maximum of 14 days
Up to $500 for essential temporary repairs to restore your car to a roadworthy and safe condition
Up to $500 for theft or damage to personal items that were in your car
Up to $500 for emergency travel and accommodation if your car cannot be driven and you are more than 200km from home
Up to $1,000 for replacing or recoding your car’s locks and keys after theft
Reasonable costs of towing a damaged car to a safe location and to an approved repairer

Are there any optional extras available through Bupa?

Yes – Bupa offers a number of optional extras on its Comprehensive and Ultimate Comprehensive car insurance policies:

Pay as you drive cover (if you drive 15,000km or less each year)
Hire car cover after theft or damage to your vehicle
Excess-free windscreen cover
Excess-free kangaroo damage cover
Sports gear cover

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

Choice of agreed or market value: you can choose to insure your car for its market value or agreed value.
PAYD cover available: if you drive less frequently, you can choose PAYD cover as an optional extra.
Choice of optional extras: there are several optional extras on offer, including kangaroo damage cover and sports gear cover.

No choice of repairer: For standard Comprehensive plans, Bupa will only authorise repairs done by a repairer it has appointed and approved.
Limited child seat cover: cover for child seats and prams is capped at $500, as of July 2023.

Common questions about Bupa car insurance

How do I make a car insurance claim with Bupa?

If your car insurance policy was issued on or after 1 July 2022, you can lodge a claim online via Bupa’s online portal or by calling the dedicated support line. If your policy was issued before this date, you will have to call to lodge your claim.

You will need to provide information such as your policy number, address and details of anyone else involved in the claim.

How can I save money on my Bupa car insurance?

There are several ways you could save money on your Bupa car insurance cover:

You can lower your premiums by choosing a higher excess
If you drive less than average, under 15,000km each year, you could save by choosing PAYD cover
If you are already a Bupa Health Insurance member, you can get 10% off your policy, and 15% off if you are a Bupa Ultimate Health Insurance member

Can anyone drive my car with Bupa car insurance?

Licensed drivers and learner drivers older than the minimum age listed on your certificate of insurance can all be insured. However, learner drivers, drivers under 25 and inexperienced drivers are subject to a learner driver excess, age excess and inexperienced driver excess respectively, and undeclared young drivers face a significantly higher excess if they are in an accident when behind the wheel.

Can I get cover for my caravan or trailer with Bupa?

Yes – Bupa offers separate caravan and trailer insurance to provide cover wherever you are in Australia.

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Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

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Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use.