Bupa Car Insurance

Flexible car insurance that goes the distance

Customise the right cover for you when choosing from our flexible optional extras and services like Pay as You Drive and 24/7 Roadside Emergency Assist. Plus, you can choose to make monthly policy payments at no extra cost.

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Bupa Health members save 10% each year

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.

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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.

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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  
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  
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
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Up to $500
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Up to $500, if the Fire & Theft cover option is selected
Emergency travel and accommodation 
Up to $2,000

Up to $500
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Up to $500, if the Fire & Theft cover option is selected
Towing costs
Reasonable costs
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Reasonable costs
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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:

Looking for more than just car insurance?

Home Insurance tile

Home insurance

Choose Bupa Ultimate, Comprehensive or Basic cover to protect your most valuable possessions. Plus, Bupa Health Insurance members get 10% off+ and Bupa Ultimate Health Insurance members get 15% off+.
Pet Insurance tile

Pet insurance

Get up to 80% back on eligible vet bills should the unexpected happen to your furry friend. Plus, Bupa Health Insurance members get 10% off+.
Travel Insurance tile

Travel insurance

Travel knowing you have unlimited overseas medical cover~ and Australian-based case managers for 24/7 emergency assistance. Plus Bupa Health Insurance Members get 15% off#.

~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

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.