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2QBE Car Insurance

QBE Car Insurance

 Verifiedqbe.com
2QBE Car Insurance
3.8

1,040 reviews

Positive vs Negative
57%43%
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Claim Resolution Time
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Transparency ?
3.4
Customer Service
3.2
Value for Money
3.5
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QBE Car Insurance Showcases

Official material from QBE.

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 AI reviews summary 

QBE Car Insurance receives highly positive feedback for its digital onboarding experience and competitive pricing, particularly for comprehensive and CTP policies. However, there is a stark contrast between the ease of purchase and the claims experience. While new customers praise the efficient setup, those who have attempted to use the insurance report significant systemic failures in claim handling and communication.

Pros
  • Streamlined Online Application: The quoting and sign-up process is frequently described as fast, intuitive, and user-friendly, with many users completing their applications in under ten minutes.
  • Competitive Pricing: Policyholders consistently report that premiums are lower than major competitors, specifically for comprehensive cover, electric vehicles (Teslas), and CTP insurance.
  • Flexible Payment and Policy Options: The availability of monthly payment installments and the ability to easily customise agreed values and excesses are highly valued.
  • Efficient Digital Support: The online chatbot and live chat features are praised for providing prompt and professional assistance during the quote stage.
Cons
  • Protracted Claims Process: Multiple reports indicate that claims can take several months to resolve, often involving poor communication between departments and a lack of proactive updates.
  • Disputed Liability and Repairs: Significant complaints exist regarding the denial of claims over technicalities, the use of "pre-existing damage" as a reason to reduce payouts, and poor-quality repairs.
  • Inflexible System Logic: The online portal occasionally fails to recognise existing customers, and some users encountered issues where the system would not accept valid credit card expiry dates.
  • Difficult Refund and Cancellation Procedures: Users have reported complications when seeking refunds for CTP policies after selling a vehicle, citing unhelpful staff and circular requirements.
Verdict

QBE is an excellent choice for consumers seeking a low-cost, high-speed digital sign-up experience with competitive premiums. However, prospective policyholders should be aware of recurring reports of stressful and lengthy claims handling. The service appears most effective as a "set and forget" value option rather than a premium service for active claim management.

5 Andrew D.  · Easy as great easy app to set up and self explanatory
5 Ann  · easy to use competitve, usually focused on business nice to see privately works too
5 Pratikshya S.  · Thanks guys a lot! Best price as usual! Really really appreciate it!
5 Robbie  · Not the cheapest, but had the best value in my opinion. Covered a lot more things than the others i researched for. Thanks
5 Joe  · Online application was quick and easy, very satisfied with the service
5 Kim  · Easy to follow easy to understand and thorough explanation and assurance
Sriram
SriramNSW2 posts
  Comprehensive

QBE comprehensive car insurance provides the consumer with many options so that one can choose the level of cover they need. I found them to be very cost effective when compared to other leading insurance providers. Subscribing for the policy online was so comfortable with an incentive of AUD75 for signing up online. Overall I am a very pleased consumer Show details ·  1

Ask the reviewer
grant d.
grant d.QLD2 posts
  Third Party Only

As Australia Posts partnership with QBE ended, I thought I'd have a problem. But no!, QBE website was so easy to use, I gained cover for my old, but road worthy JEEP at a reasonable price. Thank you QBE. Show details ·  1

Ask the reviewer
Sara G.
Sara G.23 posts
  Car Insurance

Took them five months to finalise a fairly basic claim- constantly wanted 'evidence' then would ignore it for eg, $2500 artwork/ photographs etc bought 20 years ago depreciated to $300. I had to deal with a third party company they got to do the initial list, and that was so much work for them to disregard the bits that didn't suit them and ask… Read more

for it all over again. Never in all my days have I been so disheartened or frustrated with dealing with multiple people (most with the same surname) and days and days would pass with nothing..... I took leave to try and sort it out and that was wasted- in the end accepted a figure just to be done with them. I could not have had a worse experience if I had made it up - noting everyone had the last name 'singh' I am not even clear who was doing what and if they were real people half the time.

QBE
QBE    

Hey Sara, we're sorry to hear about your experience and the… Read more

Reviews with attachments

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EdwinDevadoss
EdwinDevadossQLD
  Fair Incentive Third Party Only

Wonderful! Easy to get through and complete Instructions. User friendly also Show details ·  1

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Kathleen
KathleenNSW3 posts
  Comprehensive

Feel more protected with comprehensive car insurance – Very easy to apply for my policy online. My lovely new car is now protected. Show details ·  1

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Chris S.
Chris S.VIC
  Third Party Only

This suits my requirements. Thank You – A quick and easy online method to access auto insurance. Satisfied Customer. Show details ·  1

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miguel cabello
miguel cabelloNSW
  Comprehensive

Quick and easy – Quick and easy process will definitely will keep using QBE Show details ·  1

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Cherie F.
Cherie F.
  Comprehensive

Very easy site to get and pay insurance – Very easy to set up and competitive price. The website is great and simple to navigate. Show details

Latest follow-ups

Jb
Jb8 posts
  Comprehensive

It was a straightforward and easy process online to get comprehensive car insurance! Nothing that needed further clarification or required a phone call Show details ·  2

 Follow-up  · I did compare prices, there was a $600 difference! Payment process was great I was able to do a bank transfer after the policy was in place. Very thorough quoting process and were understanding could cater for my insurance needs

Cathy Millett
Cathy MillettNSW
  Comprehensive

Mostly this was easy to follow. We had an issue when it came to pay. Your system did not like the expiry date on either of our visa debit cards. We ended up paying a different way, but thought you should know for any future issues Show details ·  2

 Follow-up  · Not sure why the payment system did no like the expiry date. The alternative Payment was simple and smooth. This payment issue will not stop us from using the online insurance policy purchase again.

Neil M.
Neil M.18 posts
  Comprehensive
Transparency
Customer Service
Value for Money

QBE great at dodging claims ! Friendly staff if/when you eventually get through; then every excuse not to pay/accept a claim. Their client lodged claim as they were at fault, provided me with claim no. - QBE bounced me around for weeks before… Read more

admitting liability/their client at fault. QBE then insisted I take car to repairer for assessment, approved it but "with prejudice" -then stuffed around for weeks again, initially blaming me for accident (chap backed into my side!). Once they agreed their client was at fault, they refused to process claim because their client "had not met Policy Obligations" (aka - he was refusing to pay access); end result, bounced around 'different QBE departments', car at repairer indefinitely until they were ready.... "could be months" if ever. Ombudsman/AFCA has no power to help as my car insured. Got fed up and lodged 'no fault' claim with my insurer who were great, car fixed in week, no excess and got hire car free..... QBE may be legally well covered, but morally and ethically naked !

 Follow-up  · After frustrating delays, excuses and even smug brush-off after I lodged complaint to Insurance Ombudsman (QBE knew no legal action could be taken against them!) I lodged claim with my insurer (no excess, got free rental car, no rating loss and car fixed within 5 days by Budget Direct. QBE called about 2 weeks later and agreed to FIX my car.... I… Read more

QBE
QBE    

Hi Neil, thank you for bringing this to our attention. We're… Read more (+6 replies)

Positive reviews

MRU
MRUNSW
  Comprehensive

QBE offered the lowest quote I could find, and are one of the very few insurers that currently insure my particular model EV. The online process was also quick and easy. Show details ·  1

Find out how QBE Car Insurance compares to other Car Insurance

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Voodoolady
VoodooladyNSW2 posts
  Third Party Only

I like I could see the price online without having to give out my personal contact details. I really hate when you fill something out and then they don't tell you the price and get someone to call you and try to upsell. Also and a BIG also. My previous CTP insurance was over $100 more and as a pensioner that's a week's worth of groceries. Thanks QBE Show details ·  1

Lara
LaraWA
  Comprehensive

Very easy to follow and set up. Had all the options for my coverage that I require. This is my first experience with WBE and I will return, possibly moving other insurance policies over. Show details ·  1

Negative reviews

Max E.
Max E.NSW6 posts
  Third Party Only

Worst company to deal with …paid for green slip for my motorcycle and QBE took the payment twice from account . Once I complain they told me that they will refund me my money asap ….5 days after still waiting ..no apologise ..no compensation for their mistake . Just a bunch of crooks …it’s a disgrace especially after I been with them for my 2… Read more

vehicles car and bike for more than 5 years . This rip off companies will never be penalised for the way the carry their business …absolutely disgusting

QBE
QBE    

Hey Max, we’re really sorry to hear about your experience and… Read more

Chris
ChrisSA4 posts
  Verified Comprehensive

My experience with QBE Insurance has had a significant impact on my mental health. The claims process was prolonged, unclear, and extremely stressful. Ongoing uncertainty, lack of clear communication, and the way the matter was handled created a level of anxiety that was difficult to manage. What should have been a straightforward process instead… Read more

became an exhausting and emotionally draining experience.

Insurance is something you rely on during already difficult times. Unfortunately, this experience made an already stressful situation much worse.

My vehicle was vandalised and QBE denied a claim by accusing me of misrepresentation….which is not accurate.

I selected No when answering a question about a previous incident ….thinking that it’s based on when the incident occurred, but they have said it’s based on when the incident was finalised (which was several months later and within their 3-year period of disclosure)

Just a typical technicality and company who did not care when I needed the support. And quite frankly has left me feeling hopeless three months later

QBE
QBE    

Hey Chris, thank you for sharing your experience. We’re very… Read more

Nikki
Nikki3 posts
  Comprehensive

I’ve had to do two claims in the last 6 months one for a kangaroo and the other for hail. Both claims were handled poorly. My first claim my car left from the repairer still not drivable due to damage that happened at the repairer that Qbe tried to fight me on. Had to go through AFCA whilst waiting for that to be handled my car was damaged by… Read more

hail. 3 months later my car still hasn’t been assessed because the repairer they picked is 5 hours from where I live and Qbe doesn’t want to pay for the tow truck there for my car to be assessed . So after lodging another complaint with AFCA for this claim to get my car assessed I had to send photos of my car so they could assess it and agreed it was a total loss. Yet it seems tho Qbe departments dont communicate with each other because here I am still waiting for this [Content Removed] show to end. Because apparently their assessor didn’t know my car was a total loss . Incompetent unprofessional insurer. Take your money else where the hassle of Qbe isn’t worth the money you save insuring with them!

QBE
QBE    

Hi Nikki, we're really sorry to hear that this has been your… Read more (+2 replies)

Recent reviews

Anthony
AnthonySA
  Comprehensive

Obtaining a quote on line was easy. The quote I received and accepted was way cheaper than all the other quotes I received from other insurance companies. Very impressed. Highly recommended company. Show details ·  1

Trevor D.
Trevor D.QLD
  Comprehensive

It is the lowest excess price I could get and one of the best price policy I could get but if you put choice of repairer then it becomes expensive. I do have compulsory third party with QBE and intend to keep it with them. Show details ·  1

Glenda
GlendaQLD
  Comprehensive

The only confusion I had was the payment date of the first installment. The page gave the only option of 'Pay Now' to proceed - today's date 06-05-202 - when I wanted the first payment on the start date of 31-05-2026. Show details ·  1

Nana Hell
Nana Hell4 posts
  Verified Comprehensive

Have QBE for CTP on bike and car as well as for COMPREHENSIVE insurance. Very helpful, great pricing, easy to navigate site and always great to deal with. I have been with QBE for many years and highly recommend them. Show details ·  1

Find out how QBE Car Insurance compares to other Car Insurance

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Professional Person
Professional PersonSA3 posts
  Comprehensive

QBE Website is so easy to use and understand. The policy inclusions are great that they give you a choice of what you want included and what excess you want. The price was really good too. Show details ·  1

Dave S.
Dave S.QLD6 posts
  Comprehensive

very easy to use and step by step without any hassles. Could see effictive changes with agreed amounts and options like windscreen hire car etc instantly to make an informed decision. Show details ·  1

Ernesto M.
Ernesto M.2 posts
  CTP

Unethical handling of vehicle repair claim My experience with QBE Insurance was extremely disappointing and unfair. Their only apparent purpose was to charge for the repair of a vehicle insured by them using false repair quotes and billing for pre-existing damages. I formally challenged these charges and provided clear supporting documentation… Read more

proving that the damages were pre-existing. Despite this, QBE chose to ignore the evidence and proceeded without addressing my claims in a transparent or fair manner.

This behaviour shows a serious lack of integrity, accountability, and proper claims assessment. As a customer, I felt completely unprotected and treated with impunity.

Based on my experience, I cannot recommend QBE Insurance and strongly advise others to be extremely cautious when dealing with their claims and repair processes.

QBE
QBE    

Hi Ernesto, thank you for sharing your feedback. We are sorry… Read more

Koosha E.
Koosha E.VIC
  Third Party Only

They said they won't send me tow truck and I sould manage that and hire a car myself. Very long time waiting on the phone, no help from the staff, it has been 3 weeks from the accident, they haven't even contacted the repair shop. Terrible insurance. Would never recommend them at all. Super unhappy with their service. Show details

QBE
QBE    

Hi Koosha, we're really sorry to hear this has been your… Read more

Roger S.
Roger S.NSW5 posts
  Verified Comprehensive

Do NOT insure with this 'company.' You will regret it. My wife's car was stolen, and she was not compensated for it. QBE made a decision that she did not immediately report it to the police. Worse still, I gave my wife my car and I rented a car for 3 months until they made their decision. Worse insurance company in history. Show details

QBE
QBE    

Hey Roger, we’re truly sorry to hear about your experience… Read more

Suzy
SuzySA15 posts
  CTP

Sth Australia Please DO NOT pick QBE for CTP. They won't look after you, and you will be fighting for everything and get next to nothing. With all my injuries and serious ones too, they offered not even enough to pay for my next surgery or equipment for the future. Please DO NOT let anyone else go through what I did. And others have voiced… Read more

their concern, too.

I will be disabled for life and won't be able to work and live below the poverty line.

QBE should be ashamed of itself. I hope no one you know will be treated this way, etc, or be treated this badly.

QBE
QBE    

Hi Suzy, thank you for sharing your experience. We are truly… Read more

Ghecko57
Ghecko57WA5 posts
  Verified Comprehensive

After checking with 3 other insurers, I chose QBE because they were better priced and it was very easy to organise the insurance for my new car without phone calls and hassle. Show details ·  1

andrew
andrew2 posts
  Verified Comprehensive

First ever claim on comp insurance ever,for a minor bump on rear bumper. Processed ok and took car to repairer weeks later as advised. Car came back with a nasty run in paint on the repair PLUS a new 12cm long scratch on boot. Back for repair - now has the scratch + boot requires 30% more effort to close. QBE "final decision" about scratch -more or less we are lying about it ???? CANNOT RECOMMEND TO ANYONE Show details

QBE
QBE    

Hello Andrew, we're sorry to hear that this has been your… Read more

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