Benefits
Save up to 30%^
Perfect if you mostly work-from home or only take short trips every now and then.
Make changes online
Manage, make changes or top up your kms online, anytime.
Bupa Health Members save more
Bupa Health Insurance members get 10% off+ and Bupa Ultimate Health Insurance members get 15% off+ car insurance.
See how much you can save
Top up your kilometres.
Don’t worry, if you think you’ll drive more than the number of kilometres that you purchased, you can top up your kilometres to a maximum of 15,000 km during the term through our Manage My Policy screen. Just keep in mind that we’ll need to adjust your premium too. Check out our PDS for more details.
Renewal
On renewal, you can choose to increase or reduce the number of kilometres on your plan if you wish. If you change your Pay As You Drive Cover on renewal, we will ask you to provide a new start odometer reading.
What kind of car insurance do we offer?
If you’re looking to compare car insurance, here's what's in and out across our three levels of quality cover.
| Because there’s a Car Insurance option to suit most budgets | Bupa Ultimate Cover
Our highest level of protection, with the benefits of our Comprehensive cover plus inclusions like your choice of repairer, 24/7 Roadside Emergency Assist, and optional extras like Pay As You Drive. Find out more |
Bupa Comprehensive Cover
Our mid-range cover for damage and loss to your car or damage your car causes to another vehicle or property. Plus, you can choose from optional extras like 24/7 Roadside Emergency Assist and Pay As You Drive. Find out more |
Bupa Third Party Property
Damage Cover
Our basic level of cover that insures your car for damage to another person's vehicle or property. Plus, you can choose to extend Third Party Property Damage with Fire & Theft cover, for up to a $10,000 benefit. Find out more |
|---|---|---|---|
| Bupa Car Insurance cover summary | |||
| Your car is damaged as a result of a collision | Up to $3,000 if caused by another uninsured driver and policy conditions are met |
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| Your car is damaged as a result of theft, attempted theft or fire | Up to $10,000, if the Fire & Theft cover option is selected |
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| Legal liability cover For when the use of your car causes damage to another person's property |
Up to $30 million | Up to $20 million | Up to $20 million |
| Your car is damaged as a result of a natural event like a storm or flood | check_circle | check_circle | |
| Your car suffers loss or damage as a result of a malicious act | check_circle | check_circle | |
| Pay As You Drive Cover Save by choosing a KM range from 1,000 to 15,000 that your car will drive in a year |
Optional | Optional | |
| Bupa Car Insurance additional benefits | |||
| New for old car replacement | check_circle Up to 3 years from purchase (as long as under 70,000kms) |
Up to 2 years |
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| Personal property | check_circle Up to $1,000 |
check_circle Up to $500 |
check_circle Up to $500, if the Fire & Theft cover option is selected |
| Emergency travel and accommodation | Up to $2,000 |
Up to $500 |
check_circle Up to $500, if the Fire & Theft cover option is selected |
| Towing costs | Reasonable costs |
check_circle Reasonable costs |
check_circle Reasonable costs, if the Fire & Theft cover option is selected |
| Essential repairs | Up to $500 |
Up to $500 |
Up to $500, if the Fire & Theft cover option is selected |
| Hire car after theft | Up to $80 per day for up to 14 days |
Up to $70 per day for up to 14 days |
Up to $70 per day for up to 14 days, if the Fire & Theft cover option is selected |
| Trailer and caravan cover | Up to $1,000 |
Up to $1,000 |
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| Transit cover | highlight_off | ||
| Child safety seats and prams | Up to $500 |
Up to $500 |
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| Locks and keys | Up to $2,000 |
Up to $1,000 |
Up to $1,000, if the Fire & Theft cover option is selected |
| Rental car excess or bond cover | Up to $2,000 |
highlight_off | |
| Choice of repairer | We pay the reasonable assessed cost of repairs |
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Bupa Insurance benefits are subject to terms, limits and exclusions. For full details, read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) on this website which explains who the products are suitable for.
Drive a hard bargain when
you drive less
Example savings shown
The important bits you'll need to know
Click here to access the Bupa Car Insurance Product Disclosure Statement (PDS) for full terms, conditions, inclusions, and exclusions.
View the Target Market Determination (TMD) here.
| Key Contact Numbers | |
|---|---|
| Get in touch (during business hours): |
Sales, Service – 1300 556 721 |
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If you have purchased Bupa Roadside Emergency Assist along with your Bupa Car or Bupa Ultimate Car Insurance policy • Car broken down • Flat battery • Out of Fuel • Electric vehicle out of charge • Minor roadside repairs • Lost or locked keys • Towing • Caravan and trailer assistance |
Bupa Roadside Emergency Assist |
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If you have purchased Bupa Home Emergency Assist along with your Bupa Home or Bupa Landlords Insurance policy • Electricity Supply System Failure • Gas Supply System Failure • Locked Door • Main Air Conditioning System breakdown • Main Heating System breakdown • Broken external door and window • Plumbing failure |
Bupa Home Emergency Assist Call 1300 925 772 |
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24/7 Emergency Claims assistance.
For immediate problems including (but not limited to) • Travel emergencies • Road accident • Car theft • Fire • Flood damage • Emergency accommodation |
Call (02) 7201 5060
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Need to make a claim? You’ll find everything you need to make a claim here.
If you have feedback or a complaint about a Bupa Home, Car or Landlord Insurance product find out more here.
Cover you can count on
Optional add-ons that make your journey a little smoother
Choose from these great options:
Excess-free windscreen
We'll repair or replace your front windscreen and you won't have to pay an excess. For Bupa Ultimate Car Insurance Cover Optional Excess-Free Windscreen Cover provides cover for accidental damage to your windscreen or window glass.
Sports Cover
Up to $3,000 to cover your sports gear whilst it's in or on your car.
Hire car 10 days
If your car is being fixed during a claim, we'll organise a hire car for up to 10 days.
Kanga Cover
We'll waive your excess on your first collision with an animal.
Pay As You Drive FAQs
How does Pay As You Drive Cover work?
Pay As You Drive Cover is our comprehensive car insurance for drivers who spend less time behind the wheel.
When you take out or renew your policy, you can nominate your annual kilometres between 1,000km to 15,000km per year, depending on how many kilometres you think you'll drive during the period of insurance.
We'll then ask you for your start odometer reading within 14 days of the start date of your policy. Your end odometer reading will be your start odometer reading plus the number of kilometres you purchased.
Make sure you give us your start odometer reading within 14 days of the start date of your policy. If you need to make a claim after this time and you have not given us your start odometer reading, the $1,000 additional excess will apply.
What happens when I exceed my kilometer limit?
If you need to make a claim and your odometer reading at the time of the claim is greater than your odometer reading at the start of your policy, plus the number of kilometers you purchased in the current policy term, a $1,000 additional excess will be applied.
If you think you’ll drive more than the number of kilometres on your plan, you can top up your kilometres to a maximum of 15,000 km online via the Manage My Policy screen. Just keep in mind that we will also need to adjust your premium.
On renewal, you can choose to increase or reduce the number of kilometres on your plan if you wish. If you change your Pay As You Drive Cover on renewal, we will ask you to provide a new start odometer reading. Otherwise, you can choose to buy the same number of kilometres in your renewal term.
How often can I increase or decrease my km limit?
As many times as you like. If you come close to your end odometer reading, you can apply to top up your kilometres by making these changes online via Manage My Policy screen. The maximum number of kilometers you can purchase in total for a term is 15,000km, if you think you might need more kilometers than this you can switch to our unlimited kilometer policy. Just remember that we'll have to adjust your premium too. Check out our PDS for more details.
What happens if I’m over my km limit and need to make a claim?
If you need to make a claim and your odometer reading at the time of the claim is less than your start odometer reading or greater than your end odometer reading, a $1,000 additional excess will apply.
How do I know how many kilometres I have left?
Your Certificate of Insurance will display:
- the start odometer reading you gave us;
- the number of kilometres you purchased on your plan; and
- your end odometer reading, which is your start odometer reading plus the number of kilometres you purchased in the current term.
To know how many kilometers you have left, subtract your current odometer value from the end odometer reading in your Certificate of Insurance.
How do I submit my odometer reading?
We will send you an SMS after your policy start date with a link where you can add your start odometer reading, please keep an eye out for this. If you don't receive an SMS after your policy start date, Login to your account and select the option to submit your odometer reading.
Disclaimer
^Saving of up to 30% derived from premium comparisons between Bupa unlimited kilometre comprehensive car cover option and Bupa Pay As You Drive comprehensive car cover option. Calculations based on a sample of profiles of existing Bupa car insurance customers who advised they drive 15,000km, or less, per year. Current as at 3 September 2025. Actual savings are determined by your individual circumstances, including the kilometres selected, excess chosen and other risk factors. Minimum premiums may reduce savings. Kilometres can be increased during the policy period, an additional premium is payable. In event of an accident and the end odometer reading is exceeded or is below the start odometer reading on your Certificate of Insurance, an additional excess is applied..
+ Current Bupa Health members with an active membership get a 10% premium discount that applies to their Bupa Home, Contents, Landlords, Car, Pet, Travel, and Phone and Cyber Insurance policies and Bupa Ultimate Health members get a 15% premium discount that applies to their Bupa Home, Contents, Landlords and Car Insurance. These member discounts apply to each policy term while remaining a Bupa Health member. Discount(s) does not apply to taxes, government charges, fees or optional non-insurance services (e.g. roadside assistance). We reserve the right to withdraw this discount at any time.
Bupa Home, Landlords, and Car Insurance is distributed by Bupa HI Pty Ltd ABN 81 000 057 590 (Bupa), an authorised representative (no. 354269) of Open Insurance Pty Ltd ABN 23 166 949 444, AFSL 451712 (Open). It is issued by Open on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard). Bupa and Open act as agents of Hollard and not on your behalf. Any advice is general only and does not take into account your personal circumstances. First read, the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) as well as the Target Market Determination (TMD) to help you decide if a product is right for you.