Why choose Bupa Car Insurance?
Bupa prides itself on helping customers through bumps in the road, come rain or shine. Our customer-first approach to service means we'll be here for you when you need us the most.
Our Australian-based customer care is here to lend a helping hand 24/7, so you're never alone when trouble hits.
Want to access your policy information anytime? You can, with our self-service portal.
Why not get a quote from Bupa today?
Find a flexible cover that fits your needs and budget.
So you can get back on the road.
Already with Bupa? Get rewarded with a discount on your policy because of your Health Insurance membership+.
10% OFF+
for Bupa Health
Insurance members
15% OFF+
for Bupa Ultimate Health
Insurance members
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 |
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| 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.
The important bits you'll need to know
If your policy issue date is on or after 1 July 2022, you can access the Bupa Car Insurance Product Disclosure Statement (PDS) for full terms, conditions, inclusions, and exclusions. View the Target Market Determination (TMD).
If your policy issue date is before 1 July 2022, you can access the Bupa Car Insurance Product Disclosure Statement (PDS) for full terms, conditions, inclusions, and exclusions. View the Target Market Determination (TMD).
Prior to 1 July 2022, insurance was issued by Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance.
Need emergency roadside assistance?* Call us on 02 7201 5060**
*Applies to customers with Roadside Emergency Assist cover included as part of their insurance policy.
**Call charges apply.
Need to make a claim? You'll find everything you need to know here.
If you have feedback or a complaint about a General Insurance product underwritten by CGU (policy issue date before 1 July 2022), find out more here. If you have a General Insurance product underwritten by Hollard and administered by Open (policy issue date on or after 1 July 2022), find out more here.
3 things to do when the unexpected happens:
Stay safe and prevent further damage
Your safety comes first. Once you and others involved are safe, do what you can to minimise or prevent further loss, damage, cost or liability. Call Emergency Services including the police if necessary.
Take notes
Carefully note what happened and when and make a list of damaged items. Take photos of any damage from different angles. Keep your policy number and receipts for damaged items handy before giving us a call.
Looking for more than just car insurance?
Home insurance
Pet insurance
Travel insurance
~The term 'Unlimited' here means there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply. Please refer to the Policy Benefits and General Exclusions Sections of the Product Disclosure Statement (PDS) for further details.
#Bupa Health members are able to obtain a 15% discount on Bupa Travel Insurance by successfully entering their membership number into the 'Member Number' section when entering trip details or by advising a consultant over the phone. This discount is based on standard premium rates. Not to be used in conjunction with any other offer. Terms, conditions, limits and exclusions apply. Refer to the Product Disclosure Statement (PDS).
Car Insurance FAQs
Can I choose my excess?
The choice is yours to pick an excess from $500 up to $5,000. If you opt for a lower excess your premium will be higher, and vice versa, so choose which suits your lifestyle best. Make sure you keep in mind what you can afford in the event you do need to claim.
How do I make a claim?
Most claims can be lodged online 24/7 and, in some cases, you'll get a decision within minutes.
Need to make a claim? Visit our portal.
How do excesses work?
An excess is like a contribution you make towards your claim. If you opt for a lower excess your premium will be higher, and vice versa.
When an excess comes into play, you have to pay your basic excess plus any applicable additional excess(es). You won't have to pay an excess if the damage to your car was caused by another car and we deem you were not at fault, and we have all the required details of the other party.
For more information on excesses and when they apply, check out the Product Disclosure Statement (PDS).
Is anyone insured to drive my car?
We insure licensed drivers as well as learner drivers, as long as they are older than the minimum age listed on your Certificate of Insurance and are following the requirements of their learner licence.
Internationally licensed drivers are also insured, as long as the road traffic authority in the state or territory that they drive the car in recognises the international licence and the driver complies with their license conditions.
What is Pay As You Drive Cover?
Pay As You Drive Cover is Comprehensive Insurance for those who spend less time behind the wheel.
As you sign up, you can purchase between 1,000 km and 15,000 km 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.
Your Certificate of Insurance will show:
- the start odometer reading you gave us;
- the number of kilometres you purchased; and
- your end odometer reading.
Don't worry, if you think you'll drive more than the number of kilometres you bought, you can apply to top up your kilometres during the term. Just log in to your car insurance account to make the change. Keep in mind that we'll need to adjust your premium too. Check out our Product Disclosure Statement (PDS) for more details.
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.
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.
Disclaimer
+Bupa Health members get a 10% discount and Bupa Ultimate Health members get a 15% discount that applies to their Bupa Home, Landlords, Car, and Pet Insurance policies for each year they are a Bupa Health member. Minimum premiums apply and may reduce the full advertised discount. We reserve the right to withdraw this discount at any time.
#Bupa Health members are able to obtain a 15% discount on Bupa Travel Insurance by successfully entering their membership number into the 'Member Number' section when entering trip details or by advising a consultant over the phone. This discount is based on standard premium rates. Not to be used in conjunction with any other offer. Terms, conditions, limits and exclusions apply. Refer to the Product Disclosure Statement (PDS).
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, on this website, 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.
Bupa Travel Insurance is distributed by Bupa HI Pty Ltd (Bupa), an authorised representative of Open Insurance Pty Ltd, AFSL 451712 (Open). Open arranges this insurance as agent for AWP Australia Pty Ltd, AFSL 245631 trading as Allianz Global Assistance (AGA). AGA issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Ltd, AFSL 234708. Terms, conditions, limits and exclusions apply. Any advice is general only and does not take into account your personal circumstances. Bupa, Open and AGA receive a percentage of the premium as commission. Before purchasing, consider the Product Disclosure Statement (PDS) and Financial Services Guide (FSG). Target Market Determination (TMD) available at bupatravelinsurance.com.au/tmd.
Bupa Pet insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and is promoted and distributed by PetSure's Authorised Representative (AR) Bupa HI Pty Limited ABN 81 000 057 590, AR 354269. Any advice provided is general only, and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing. PDS and Target Market Determination (TMD) available at bupa.com.au/pet-insurance to see if these products are right for you.
Customer Support for family and domestic violence situations
If you are affected by a domestic or family violence situation, please read the applicable domestic and family violence policy here, to understand the ways they can support and assist you:The General Insurance Code of Practice
We proudly support the General Insurance Code of Practice, which sets out the standards that general insurance companies must meet when providing services to their customers. The Code covers car insurance, home insurance, travel insurance and pet insurance. You can read and download the Code at: codeofpractice.com.au.