This is where the beauty of car insurance gives you peace of mind. QBE is a household name when it comes to car insurance in Australia. This article aims to provide a thorough and unbiased insight into QBE car insurance. We hope to help you decide whether QBE is right for you.
Different Car Insurance Types Explained
There are numerous car insurance products offered by QBE. Each product comes with a different feature set. Knowing these may help you decide.
Comprehensive Care Insurance
Comprehensive car insurance represents the highest level of cover offered by QBE. It protects against a number of risks including accidental damage from collision. Furthermore, it covers losses from theft, vandalism, and acts of God such as storms. You are also covered if the vehicle causes damage to someone else’s property.
Third Party Property Damage Insurance
Third Party Property Damage is an insurance covering damages to cars or property owned by others. Your own car is not covered. It is a more basic and cheaper option than a comprehensive coverage. Just remember, it has its shortcomings.
Third Party Fire and Theft Insurance
Third Party Fire and Theft Insurance covers everything the above policy covers. In addition, it protects your car against theft or fire damage. It offers somewhat of a compromise in terms of security without the full cost of comprehensive.
Advantages of Choosing QBE Car Insurance
Why go for QBE? Well, QBE car insurance has unique advantages. Let us discuss some of the leading benefits of choosing QBE.
Competitive Prices and Discounts
QBE strives to keep competitive pricing. They offer further options to drive premiums down, such as discounting where you bundle several policies together, or safe drivers might receive reduced rates.
Comprehensive Coverage Options
QBE has very many coverage options to choose from. Optional extras can make a personal touch on your policy. Do you want roadside assistance? Would you like coverage for rental car expenses? QBE has a vast diversity of options.
Claims Support Available 24/7
Accidents don’t keep office hours. Claims support is available at QBE 24/7. Whenever you want to make a claim, help is available. This is reassurance when you need it most.
Things NOT Covered by QBE Car Insurance
Knowing exclusions is as important as knowing covered events. Naturally, all insurances have exclusions set forth in their policy documents.
Unlisted Drivers
A driver outside your policy might create problems. If that unlisted driver causes an accident, your claim will not be paid. Your excess may also increase. Any driver regularly operating the vehicle must be included on your cover.
Intentional Damage and Unlawful Acts
QBE will not cover intentional damage caused. Unlawful acts like using a car in the commission of a crime do not have this coverage as well. Insurance is for accidents, not for intentional misconduct.
Wear and Tear
Your auto insurance is not a maintenance policy. Wear and tear, such as tires that have become worn, are not covered. With any matters that arise out of normal operation of your vehicle, you are liable.
Guide on QBE Car Insurance Claims, Step by Step
Need to file a claim? There is a procedure to follow at QBE. It can be made less stressful with an understanding of the steps involved.
Reporting the Incident
Report the incident to QBE with as much detail as possible as soon as it occurs. Be clear and honest while giving your report. The more accurate the report would be, the better it is for everybody.
Gathering Evidence and Documentation
Gather evidence to substantiate your claim- for example, photos of damages, police reports, and statements from witnesses. The more documentation you have, the easier it will be for you.
Assessment and Resolution of the Claim
The QBE will now assess your claim. They will examine the evidence and determine the amount of cover. If coverage is acknowledged, arrangements will either be made for repair or pay you cash compensation.
How QBE Car Insurance Compares to Competitors
Is QBE the best choice? Comparisons with others are an intelligent thing to do. Weigh premiums and coverage.
Premium Comparisons
Obtain quotes from many insurers. Compare QBE premiums against other companies for similar coverage. Don’t focus solely on price. What each policy covers should also come into play.
Coverage Comparisons
Dig deep into the terms of each policy. What extras are included? What are the limits? Some specific aspects are included in one policy but omitted from another. Choose the one that offers the most coverage for your needs.
Conclusion: Analyze & Select QBE Car Insurance by Various Factors
QBE car insurance has extensive options. Based on availability, you can find a policy that suits you. Make sure to compare theirs with their competitors.
QBE has competitive premiums, discounts, and 24/7 claims assistance. But it’s very important to know what is not covered. Exclusions include unlisted drivers, deliberate damage, and wear and tear.
Always obtain multiple quotes and compare them as well as the coverage they include and read the Product Disclosure Statement (PDS). Taking all these measures will keep you in good stead while making a decision.
