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Qantas Car Insurance

Not just an airline, Qantas offers drivers in Australia a variety of car insurance options. Read our review to learn more about its products! 

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, updated on February 16th, 2024       

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Australia’s largest airline, in 2019 Qantas expanded into the car insurance space, offering drivers in Australia the chance to protect themselves on the road and earn frequent flyer points in the process. Underwritten by Auto & General, Qantas has a range of car insurance policies to choose from.

In this review, we take a look at Qantas’ car insurance products so you can understand your options. Find out what’s covered and the optional extras you can add today!

Disclaimer: all coverage offered by Qantas is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Qantas if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Qantas for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

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What car insurance policies are available through Qantas?

Qantas offers the following types of car insurance to Australian drivers:

Comprehensive Car Insurance

Of the different types of car insurance, comprehensive cover is the most extensive. Qantas’ Comprehensive Car Insurance offers the following inclusions:

  • Covers you for car loss or damage due to an accident, whether or not you are at fault, severe weather, vandalism and theft
  • Coverage of up to $20 million for accidental damage to other people’s vehicles and property
  • New-for-old replacement for cars written off within two years or 40,000km
  • Reasonable costs for towing and storage if your car is undrivable after an accident
  • Reimbursement of up to $1,000 for a hire car following theft, up to 14 days
  • A hire car until your car is repaired or the claim is settled following a no-fault accident
  • Replacement and recoding of stolen car keys or remote, up to $1,500
  • Coverage for collision damage to your caravan or trailer while towing, up to $1,000
  • Up to $1,000 for emergency transport or accommodation if your car is undrivable
  • Up to $750 for personal items damaged or stolen from your car
  • Coverage for damage or theft of child seat or baby capsule, up to $750
  • Coverage for debris removal from your car at the accident scene, up to $500
  • $10,000 to your legal representative if you die within 12 months from injury caused in an accident while driving your car
Third Party Property, Fire and Theft Car Insurance

Third party fire and theft cover is the next step down from comprehensive car insurance, covering damage sustained due to theft and fire as well as damage to other vehicles and property, though not damage to your own vehicle. Qantas’ policy has the following inclusions:

  • Coverage for damage to someone else’s car or property, with a limit of up to $20 million
  • Reimbursement of reasonable legal costs related to a covered loss
  • Coverage for damage caused by an uninsured driver, up to $5,000, including recovery, towing and storage costs
  • Coverage for the reasonable cost of recovery towing and storage for your fire-damaged or stolen car
  • Provision of a similar hire car up to $1,000 for up to 14 days in case of theft
  • Coverage for debris removal from your car at the accident scene, up to $500
  • $10,000 to your legal representative if you die within 12 months from injury caused in an accident while driving your car
Third Party Property Only Car Insurance

This is the most basic form of optional car insurance in Australia, designed to cover damage your vehicle causes to other people’s property, rather than to your own vehicle. Qantas’ policy offers the following inclusions:

  • Up to $20 million coverage for damage to someone else's car or property caused by your car
  • Coverage for reasonable legal costs associated with a loss covered under your policy
  • Coverage for loss or damage up to $5,000 if an uninsured driver's vehicle is at fault in an accident, including recovery, towing and storage costs
  • Up to $500 coverage for debris removal from your car at the accident scene
  • $10,000 payout to your legal representative if your death occurs within 12 months from injury caused in an accident while driving your car

Are there any optional extras available through Qantas?

Yes – All of Qantas’ plans offer roadside assistance as an optional extra. Qantas’ Comprehensive plan also offers the following optional extras:

What are some of the pros and cons of buying car insurance through Qantas?

  • Repair guarantee: Qantas guarantees any authorised repairs for as long as you own the car.
  • 24/7 claims: you can make a claim online or over the phone 24 hours a day, 7 days a week.
  • Choice of repairer: Qantas’ Comprehensive plan gives you the option of choosing your own repairer as an added extra.
  • Limited windscreen cover: you can reduce your glass excess as an optional extra, but there are no free repairs or replacements included.
  • Accident hire car: if you have an accident, a hire car is only provided if you add it as an optional extra on Comprehensive plans.

Common questions about Qantas car insurance

Does Qantas offer CTP insurance?

No – Qantas doesn’t offer CTP insurance in any state or territory of Australia. You should check your state or territory government’s website to find out what your CTP options are.

How do I earn Qantas Points with my car insurance?

If you take out a car insurance policy with Qantas, you will be given a Qantas Frequent Flyer number so you can start earning points. Once signed up, there are several ways to earn points through your car insurance:

  • Paying your premium: you will get 1 Qantas Point for every $1 spent
  • Offers: you may be able to take advantage of time-limited or one-off offers, such as sign-up offers, that will give you a number of points
  • Qantas Wellbeing App: earn points for everyday activities such as cycling or car check-ups, up to 20,000 points a year
What does Qantas’ roadside assistance cover?

Roadside assistance provides immediate help to drivers during breakdowns or unexpected incidents while on the road. If you add roadside assistance to your Qantas car insurance cover, you will get access to 24/7 assistance from a team of more than 2,800 mechanics across Australia. 

How do I make a car insurance claim with Qantas?

If you need to lodge a claim, you can call the Qantas team 24/7 or submit it online by logging into your account. You may need to provide information such as:

  • Policy number
  • Incident details
  • Other drivers’ details
  • Police report number

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Disclaimer:

Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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