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Qantas car insurance review

Qantas car insurance is a good-value policy and is competitively priced. It also comes with bonuses like Qantas Points.

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Qantas Car Insurance

Our verdict

Pros

  • Qantas's comprehensive policy offers a similar level of coverage to more expensive insurers, yet remains comparatively cheap.
  • Out of 30 comprehensive policies we analysed, it's one of the cheapest.
  • Qantas often runs sign-up bonuses where new customers can earn up to 40,000 Qantas Points just for switching.

Cons

  • While there are plenty of options to add to your policy, these will cost extra. Benefits like reduced excess windscreen damage will cost more with Qantas but are included as standard with other insurers like Australia Post.
  • Qantas's personal effects benefit covers Up to $750. Other insurers can cover up to $1,000.
  • If you choose to cancel your policy early, you may be charged a fee of $40. Some other insurers don't charge any cancellation fees.

How does Qantas compare with other insurers?

As part of our 2023 Finder Awards, our experts and insights team analysed 30+ policies, 1,000+ quotes and 640 features. See how Qantas compared to other popular insurers.

Features

Qantas's comprehensive policy offers similar coverage to more expensive insurers. It includes higher coverage limits than others like Up to $750 for personal effects (some other insurers only cover up to $500), a hire car after a no-fault accident and Up to $1,500 for key replacement (others offer up to $1,000).

Product FCI Finder Score Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Finder Score
Optional
  • If your car is written off in the first 2 years and is under 40,000 km
  • Optional
    Summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct).

    ⭐ Current offer: Earn up to 40,000 Qantas Points with every car insured by 29 January. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

    Who it might be good for: People who want more bang for their buck with Qantas Points.
    Finder Score
    Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Finder Score
    Optional
  • If your car is written off or stolen in the first 2 years
  • Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards.

    Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.
    Finder Score
    Optional
  • If your car is written off in the first 2 years
  • Finder Score
  • If your car is written off or stolen in the first 2 years
  • Optional
    Summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
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    Finder Score for car insurance

    We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.

    Read the full Finder Score methodology

    Price

    According to our research, Qantas's comprehensive policy is in the top 10 cheapest insurers, of the 30+ we analysed. See how it compares below. Remember, your quote will differ based on your own circumstances, the below is a guide only.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Qantas Insurance$1,445$1,040$1,061$969$1,443$967$1,154Get quote
    Budget Direct Logo$1,280$921$940$861$1,164$857$1,004Get quote
    youi$1,418$1,147$946$877$1,467$1,068$1,154Get quote
    NRMA logo$1,972$1,108$1,009$878N/A$1,052$1,204More info
    AAMI$1,533$912$874$811$1,054$816$1,000More info

    About our car insurance methodology

    Compare Qantas car insurance policies

    Product FCI Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Optional
  • If your car is written off in the first 2 years and is under 40,000 km
  • Up to $1,000 - Up to 14 days
  • Summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct).

    ⭐ Current offer: Earn up to 40,000 Qantas Points with every car insured by 29 January. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

    Who it might be good for: People who want more bang for their buck with Qantas Points.
    Optional
  • Up to $1,000 - Up to 14 days
  • Earn Qantas Points when you sign up. T&Cs apply.
    Optional
  • Earn Qantas Points when you sign up. T&Cs apply.
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    Deal

    Earn up to 40,000 Qantas Points with Qantas Car Insurance

    Expires 29 Jan 2025
    Earn up to 40,000 Qantas Points with every car insured by 29 January. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.

    Qantas policy options

    Comprehensive

    Qantas's comprehensive car insurance policy includes:

    • Accidental damage
    • Damage caused by fire and theft
    • Damage to other people's property
    • Essential repairs
    • Up to $1,000 - Up to $200 per day for emergency transport and accommodation
    • Hire car following a no-fault accident
    • Up to $1,000 - Up to 14 days for a hire car following theft
    • New car replacement If your car is written off in the first 2 years and is under 40,000 km
    • Up to $750 for personal effects
    • Up to $750 for child seats and baby capsules
    • Repair guarantee
    • Up to $750 for replacement keys
    • Towing costs
    • Up to $1,000 for trailer and caravan cover
    • Accident clean-up up to $500
    • Death Benefit up to $10,000

    Third party property, fire and theft

    Qantas's third party fire and theft policy includes:

    • Damage caused by fire and theft
    • Damage to other people's property
    • Up to $1,000 - Up to 14 days for a hire car following theft
    • Repair guarantee
    • Towing costs
    • Up to $5,000 for uninsured motorist damage
    • Accident clean-up up to $500
    • Death Benefit up to $10,000

    Third party property only

    Qantas's third party property only policy covers:

    • Damage to other people's property
    • Repair guarantee
    • Up to $5,000 for uninsured motorist damage
    • Accident clean-up up to $500
    • Death Benefit up to $10,000

    What additional cover options are there?

    • Accident hire car
    • Reduced window glass excess
    • Choice of repairer

    FAQs about Qantas car insurance

    Compare other products from Qantas Money

    Jason Loewenthal's headshot
    To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.
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    Written by

    Publisher of Insurance

    Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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