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Car insurance cover
$30 million liability cover
No matter who’s at fault, your policy covers you for $30 million in liability cover.
Replacement car during repairs
Comprehensive cover includes an option for a replacement car to drive while yours is repaired.
No claim bonus
We reward good driving by giving you a discount for each year that you don’t claim.
Different policies to suit your needs
If you own a vehicle in NSW, you need Compulsory Third Party insurance (CTP or Green Slip) as part of your vehicle registration.
Read our Car Insurance PDS for the full breakdown
FAQs
It’s important to choose the right car insurance policy. Our Frequently Asked Questions will help you.
CTP (NSW) insurance
Arranging your Compulsory Third Party (Green Slip) insurance can be a hassle. We try to make it as easy as possible by enabling you to manage the whole process online.
Who needs CTP Green Slip insurance?
All registered vehicle owners in NSW need CTP as part of their vehicle registration. It protects vehicle owners and drivers who become legally liable for personal injury caused to others whilst using their vehicle.
Benefits?
- Highly competitive premiums
- Lower premiums for good^ drivers over 30 with zero demerits
- Easy to buy online
What do I need?
Please have your vehicle registration and drivers licence details ready.
^ Conditions apply: Offer applies to motor cars and light commercial vehicles eligible for registration in NSW. Applicants must be over the age of 30, with no other drivers under the age of 25, and must have zero demerit points at the time the premium is paid. With your permission, QBE may verify your demerit points with the RTA. A light commercial vehicle is a goods carrying vehicle up to 4.5 tonnes gross vehicle mass.
Is my car covered when someone else drives it?
This depends on the policy you’ve chosen. With our Comprehensive Motor Vehicle Insurance Policy, your car is covered no matter who’s behind the wheel (some exclusions apply).
With our Nominated Driver policies, drivers under 25 years of age aren’t covered (except for learner drivers accompanied by a fully licensed driver aged 25 years or more). Anyone that’s not listed on your policy will incur a higher excess in the event of a claim. Your Product Disclosure Statement details who is included as a driver in your policy.
How are car insurance premiums calculated?
We consider the following factors in calculating insurance policy premiums:
- the age, experience and driving history of the drivers
- the type of insurance you choose and the optional extras you want
- the kind of vehicle you are insuring and how much it would cost to repair or replace it
- your location, where your vehicle is parked and risk of theft
Is a learner driver covered with my policy?
Yes they are. If you’ve chosen one of our Nominated Driver policies, the learner driver must be accompanied by a fully licensed driver aged 25 years or more.
Who will repair my car when there is an accident?
You can choose your own repairer, as long as they are licensed to carry out repairs, or you can choose one of our trusted repair partners to undertake your repairs.
What excesses apply?
There are four excesses that may be payable for a car insurance claim:
- basic excess - which you pay if you are deemed at fault and claim under the terms of your policy
- age excess - for drivers under 25 years
- inexperienced driver excess - for drivers 25 years and over who have not held a driver’s licence for two consecutive years
- additional excess - when we have agreed to cover under special terms specific to your policy
What if someone other than the nominated driver drives my car?
If you have a nominated driver policy and someone else under 25 drives the car, you will not be covered for any loss, damage or liability, unless the car is being parked by a valet, repaired, serviced, tested or used in a medical emergency. If the driver is over 25 a double excess is applied.
What if I exceed the 10,000 limit on my low KMs limit?
If you exceed the 10,000 kilometre limit, you may also need to pay an additional premium.
Great reasons to choose us
A nationwide repair network makes arranging repairs easy and convenient.
A friendly claims consultant makes it easy to submit a claim, arrange repairs, and get back on the road.
Call anytime on our 24-hour claims hotline for friendly helpful service.
Flexible pay-by-the month or fortnightly premiums make car insurance even more affordable.
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Comprehensive Car Insurance would be needed to cover the damage shown in the header banner graphic.
Insurance issued by Insurance Australia Limited Pty Ltd ABN 11 000 016 722 trading as CGU Insurance. Bendigo and Adelaide Bank Ltd ABN 11 068 049 178 acts under its own Australian Credit Licence AFSL 237879 and under an agreement with the issuer. Any advice is general only and does not take into account your personal circumstances. Consider the Product Disclosure Statement (PDS) to see if the product is right for you.
