Why auto insurance through Bupa?
Your ride to work, a ticket out of town on long weekends, and a kids’ trip to and from dance class and cricket practice. Whatever you travel for, we’ll help keep you on the road come rain or shine.
Plus, there’s 24/7 emergency claims assistance for whenever you need us to lend a hand, day or night. So, why not get a car insurance quote from Bupa today?
Already with Bupa? Get rewarded with a discount on your policy because of your Health membership+.
10% OFF+
for Bupa Health
members
15% OFF+
for Bupa Ultimate Health
members
What kind of motor insurance do we offer?
If you’re after a car insurance comparison, here's what's in and out across our three levels of quality cover.
Comprehensive car insurance
- What's covered^
- Australia-wide cover
- Nominated driver option
- Trusted repairer network
-
Uninsured motorist damage (no limit)
- $30 million liability cover
- Emergency or temporary repairs (up to $800)
- Hire car after theft up to 21 days (up to $100 a day)
- Nominated driver low kilometre option
- Windscreen extension option automatically included
- New car replacement up to 3 years old (total loss with less than 50,000kms)
- Baby capsules and child seats
Third party fire and theft
- What's covered^
- Australia-wide cover
- Nominated driver option
- Trusted repairer network
- Uninsured motorist damage (up to $5,000)
- $30 million liability cover
- Emergency or temporary repairs (up to $800)
- Hire car after theft for up to 21 days (up to $100 a day)
- Nominated driver low kilometre option
- Windscreen extension option automatically included
- New car replacement up to 3 years old (total loss with less than 50,000kms)
- Baby capsules and child seats
Third party property damage
- What's covered^
- Australia-wide cover
- Nominated driver option
- Trusted repairer network
- Uninsured motorist damage (up to $5,000)
- $30 million liability cover
- Emergency or temporary repairs up to $800
- Hire car after theft for up to 21 days (up to $100 a day)
- Nominated driver low kilometre option
- Windscreen extension option automatically included
- New car replacement up to 3 years old (total loss with less than 50,000kms)
- Baby capsules and child seats
The important bits you’ll need to know.
Read the Bupa Motor Vehicle Insurance Product Disclosure Statement (PDS) for full terms, conditions, inclusions and exclusions.
View the Target Market Determination (TMD) available here.
Need to make a claim? You’ll find everything you need to know here.
3 things to do if the unexpected happens?
Take lots of photos of any damage – pics from your phone are fine.
Truthfully note what happened and when, plus take down the names, contact information, registration, and insurance details of anyone else who was involved in the incident.
Get in touch with us as soon as you can to make a claim.
Check out these interesting reads
How to choose a baby capsule
Find out what you need to know about choosing a car seat or baby capsule to help protect your child.
Teaching teenagers how to drive
As a parent, your role is about more than just teaching your teenager the road rules – it’s also about building confidence.
Planning that Aussie road trip
Heading off on holiday? Here are helpful tips to prepare you and the family for a four-wheel getaway.
Looking for more than just car insurance?
Home insurance
Pet insurance
Travel insurance
FAQs
Is my car covered when someone else drives?
It depends on which Bupa Car Insurance policy you choose.
Some policies cover your vehicle and others don’t. Further, some policies cover your vehicle when you allow other drivers to use it, but if you’ve chosen one of our Nominated Driver policies, drivers under 25 years of age aren’t covered (except for learner drivers accompanied by a fully licensed driver aged 25 years or more). Unlisted drivers will also incur a higher excess in the event of a claim.
You should check your policy schedule and the Product Disclosure Statement (PDS) before letting someone else drive your vehicle.
Is a learner driver covered by my car insurance?
Learner drivers are covered under all Bupa Car Insurance policies. If you choose the ‘Nominated Driver’ or ‘Low Kilometre’ option on your policy, all learner drivers must be accompanied by a fully licensed driver who’s aged 25 years or over when they’re behind the wheel.
In the event of an accident where the person supervising the learner driver isn’t a Nominated Driver, a double excess will be applicable to the claim as per the Product Disclosure Statement (PDS).
Please refer to the PDS for full terms and conditions.Is my car covered for business use?
Bupa Car Insurance policies can provide cover when you use your vehicle for some business activities, but cover does depend on the type of business and the way the vehicle is used. For example, couriers would not be covered under this policy and you should consider a commercial motor vehicle policy instead. Please call 134 135 to check that you have the most suitable cover for your situation.
Is insurance on new cars cheaper than old cars?
The cost of insurance depends on many factors. These relate to much more than the age of your vehicle and can include such things, but not limited to, the cover and excess you choose, the characteristics of your vehicle, how your vehicle is used and garaged, as well as your age and driving experience. Whilst newer cars often include superior safety features than their older equivalents, this does not necessarily mean they will be cheaper to insure as the cost of insurance can vary for many reasons. Get a quote online or call 134 135, weekdays.
Customer support for family and domestic violence situations
At Bupa, our Travel, Motor Vehicle and Home Insurance policies are issued and underwritten by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 (IAL), who also manage our insurance claims. If you’re suffering from a family and domestic violence situation, please read IAL’s Family and Domestic Violence Policy to understand the ways they can support and assist you.Disclaimer
*To be eligible for this offer from Bupa HI Pty Ltd (Bupa) you must be a Bupa customer who resides in Australia and is over the age of 18, and take out a new Bupa Comprehensive Car Insurance policy between 20 January 2022 and 31 March 2022 (Offer Period), online or over the phone, and pay upfront or via direct debit (Eligible Customer). Eligible Customers will receive a digital $50 Visa Reward Card 60 days after taking out their new Bupa Comprehensive Car Insurance policy (Offer). Eligible Customers must maintain their Eligible Policy for the life of the policy or a minimum 60 days from the day the policy commences (whichever comes first) to receive the Offer. Offer not available with any other Bupa promotional offer. Full Terms and Conditions at bupa.com.au/car-insurance/summer-terms. Bupa reserves the right to adjust the terms of this offer at any time, including but not limited to changing, extending or reducing the Offer Period.
+Minimum premiums may apply. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium, we may also limit any increases or decreases in your premium by considering factors including at renewal your previous year’s premium amount. When you purchase your policy and at renewal you may not receive the full discount based on the premium calculation process. For Landlord policies, this discount will not apply to the cost of the liability cover under those policies. This offer can change or be removed at the renewal of a Bupa Home, Car, Landlords, Valuables or Travel policy.
The General Insurance Code of Practice
We proudly support the General Insurance Code of Practice, which aims to raise the standards of practice and service in the general insurance industry. This includes car insurance, travel insurance and home insurance. For more information, please download a copy of the General Insurance Code of Practice (PDF 140kB) or the Financial Services Guide (FSG) (PDF 258kB).
Bupa Car Insurance is distributed by Bupa HI Pty Ltd ABN 81 000 057 590 an authorised representative of the issuer, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681, trading as CGU Insurance. Any advice is general only and does not take into account your personal circumstances. Consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to see if these products are right for you.
Bupa Home Insurance and Bupa Travel Insurance is distributed by Bupa HI Pty Ltd ABN 81 000 057 590 an authorised representative of the issuer, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681, trading as CGU Insurance. Any advice is general only and does not take into account your personal circumstances. Consider the relevant Product Disclosure Statement (PDS) (Home Insurance and Travel Insurance) and Target Market Determination (TMD) (Home Insurance and Travel Insurance) to see if the product is right for you.
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 available at bupa.com.au/pet-insurance to see if these products are right for you.