Cover you can
count on.

Our car insurance is easy to arrange, simple to claim and competitively priced.

Car Insurance

Having a car provides us with convenience and freedom.

But if it was taken away from you, what would you do? That’s where car insurance comes in. Our MemberCare Car Insurance provides you a range of benefits you can count on, including:

Competitive pricing

4 year new car replacement (optional)

Agreed value option for accidental loss or damage

A strong claims history

Flexible payment at no extra charge

Cover options


This policy provides complete cover, regardless of the number of licensed drivers using the vehicle. It protects you against theft, fire and damage to your car, as well as damage you may cause to another person’s car or property.

30+ nominated driver cover

If you are a more experienced driver 30 years of age or over, and others under 30 won’t be driving the car, you can nominate two drivers who are 30 years of age or over and take out a full comprehensive policy at a discounted price.

Third party only

This provides cover for damage you may cause to another person’s car or property, but does not cover your own car. Uninsured Driver Protection Cover is included under this policy.

Third party fire and theft

This is an extension of the Third Party Only Policy, which provides cover if your car is stolen or damaged due to fire.

For new cars, a new car replacement option

Insure your brand new car with QBE within two years of purchase, and if it’s written off within the first four years of ownership or 100,000 kms, whichever comes first, it’ll be replaced with a new one (conditions apply).

Car Insurance PDS

Car Insurance SPDS

Compare our cover options

Benefits Include


(inc Nominated 30+ Driver Policies)

Third Party Only Third Party Fire and Theft
Accidental loss or damage to your vehicle x x
Loss or damage caused by fire or theft x
14 day hire car following theft x
Windscreen or window glass breakage cover option x x
4 year new car replacement option x x
Repairs or replacement of single box trailer x x
Towing costs following loss or damage x x
Essential temporary repairs x x
Cover for personal items damaged in an accident x x
Hire car after accident option x x
Emergency accommodation and transport costs x x
Finance Gap cover x x
Uninsured motorist benefit
Legal liability for damage caused by your passenger to another person's property
Legal liability for other people driving your vehicle
Legal cost incurred in relation to legal liability cover

A number of ways to save

With QBANK there are various ways to enjoy discounts on your premium.

Choice of excess

Your excess is the initial amount you have to pay yourself if you make a claim, and we offer variable excess. The higher the excess you choose, the lower the premium you’ll pay.

Multi-policy discount

Once you have one MemberCare insurance policy with us, we’ll give you a discount on each additional MemberCare policy.

No claim bonus

If you’ve been claim-free for a period of 12 months upward, you may qualify for a no-claim bonus of up to 60% off the base premium.


Easy to arrange, simple to claim

From making your application to making a claim, QBANK ensures things are as straightforward as possible.

You can apply online, by phone, or at any branch. Flexible payment options include fortnightly, monthly or annual direct debit or credit card payments (excluding Diners Club).

If you do need to make a claim, we won’t make you wade through paperwork. Your claim will be made through a 24-hour emergency claims number, and in most cases, you just need to provide details over the phone.

Ready when you are

Have a question?

Make an enquiry and we'll get back to you.

Email Enquiry

Let's talk

Speak to a friendly Insurance Specialist.

13 77 28

8:45am to 4:30pm Mon-Fri

Retrieve a quote

Access your quote or policy via our insurance portal.

Insurance Portal

Make an enquiry

Complete an enquiry form and we'll get back to you as soon as possible.

Are you a member?*
Preferred contact method

Preferred contact time

Please enter all required fields

Cover backed by QBE

Motor Insurance is one of a comprehensive range of insurance solutions offered through our association with QBE Insurance. Founded in 1886, QBE is one of Australia’s leading insurers. It’s because of QBE’s experience, security and strength – as well as their prompt, efficient and friendly claims service – that we’ve made them our general insurance provider. This partnership enables us to deliver QBANK members quality and value in insurance products, with the added convenience of having everything under the same roof.


This product is issued by QBE Insurance (Australia) Limited (ABN 78 00 3 1 91 035, AFS License 239545). Please read the PDS available above before acquiring this product in considering and deciding whether this is right for you.