take the first2 months FREE‡with Bupa car insurance. Offer extended until March 31, 2023.
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Bupa auto insurance. We've got your back so you can enjoy the journey ahead.
There is no one size fits all. At Bupa, we know that your car and lifestyle are as unique as you are, why should your car insurance be any different? our newBupa Ultimate car insuranceoffers our highest level of protection when you need it. OurCompleteYthird-party property damageOptions also offer a variety of benefits and optional extras, so you can spend on the coverage that matters most to you.
advance,Bupa health insurance members receive a 10% discount+YBupa Ultimate Health Insurance members receive a 15% discount+Car insurance.
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Get emergency assistance from Australia 24/7, day or night.Ligue 02 7201 5060.
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(Video) Bupa By You health insurance | What is a no claims discounts?
Why choose Bupa car insurance?
Bupa prides itself on helping customers overcome obstacles on the road, rain or shine. Our customer-focused service approach means we're here when you need us most.
OurAustralia customer serviceis here to help you 24/7 so you are never alone when problems arise.
Would you like to have access to your policy information at any time? you can with ourself-service portal.
Why not get a quote from Bupa today?
Find flexible coverage that fits your needs and budget.
Then you can get back on the road.
Are you already on Bupa?Get rewarded with a discount on your policy due to your health insurance membership+.
10% REDUCED+
for bupa's health
insurance members
15% OFF+
para Bupa Ultimate Health
insurance members
What car insurance do we offer?
If you want to compare car insurance, here are the pros and cons of our three quality tiers.
| Because there is a car insurance option for most budgets | Funda Bupa Ultimate Our highest level of protection with the benefits of our comprehensive insurance coverage, plus inclusions like your choice of garage, 24/7 roadside assistance, and optional extras like Pay As You Drive. More information chevron_right | full bupa insurance Our intermediate coverage for damage and loss to your car or damage caused by your car to another vehicle or property. You can also choose from optional extras like 24/7 roadside assistance and Pay As You Drive. More information chevron_right | Bupa third-party property damage coverage Our basic coverage that insures your car against damage to someone else's vehicle or property. You can also upgrade third-party property damage coverage with fire and theft coverage up to $10,000. More information chevron_right |
|---|---|---|---|
| Bupa car insurance coverage summary | |||
| Your car is damaged in an impact | mark_circle | mark_circle | mark_circle Up to $3,000 if caused by another uninsured driver and insurance conditions are met |
| Your car is damaged by theft, attempted theft or fire | mark_circle | mark_circle | mark_circle Up to $10,000 if fire and theft protection option selected |
| legal liability insurance Because if someone else's property is damaged by using your car | up to $30 million | up to $20 million | up to $20 million |
| Your car was damaged by a natural event such as a storm or flood | mark_circle | mark_circle | highlight_off |
| Your car suffers loss or damage due to malicious action | mark_circle | mark_circle | highlight_off |
| Pay to direct Abdeckung Save by choosing a range of KM from 1,000 to 15,000 that your car will cover in a year | Optional | Optional | highlight_off |
| Bupa car insurance additional services | |||
| New for old car replacement | mark_circle Up to 3 years after purchase (since less than 70,000 km) | mark_circle up to 2 years | highlight_off |
| personal property | mark_circle Up to $1,000 | mark_circle Up to $500 | mark_circle Up to $500 if fire and theft protection option selected |
| emergency travel and accommodation | mark_circle Up to $2,000 | mark_circle Up to $500 | mark_circle Up to $500 if fire and theft protection option selected |
| towing costs | mark_circle reasonable costs | mark_circle reasonable costs | mark_circle Reasonable cost if fire and theft coverage option chosen |
| repairs needed | mark_circle Up to $500 | mark_circle Up to $500 | mark_circle Up to $500 if fire and theft protection option selected |
| Leased car after theft | mark_circle Up to $80 per day for up to 14 days | mark_circle Up to $70 per day for up to 14 days | mark_circle Up to $70 per day for up to 14 days when fire and theft protection option selected |
| Trailer and caravan coverage | mark_circle Up to $1,000 | mark_circle Up to $1,000 | highlight_off |
| transit coverage | mark_circle | mark_circle | highlight_off |
| pushchairs and prams | mark_circle Up to $500 | mark_circle Up to $500 | highlight_off |
| locks and keys | mark_circle Up to $2,000 | mark_circle Up to $1,000 | mark_circle Up to $1,000 if fire and theft protection option selected |
| Vehicle rental deductible or security deposit coverage | mark_circle Up to $2,000 | highlight_off | highlight_off |
| choice of repairman | mark_circle We will pay reasonable estimated repair costs | highlight_off | highlight_off |
Bupa insurance benefits are subject to conditions, limitations and exclusions. Please refer to the applicable Product Disclosure Statement (PDS) and Target Market Determination (TMD) on this website for complete details explaining who the products are intended for.
The important parts you need to know
If your policy issue date is after July 1, 2022you can access Bupa car insuranceProduct Disclosure Statement (PDS)for complete terms and conditions, inclusions and exclusions. look at theTarget market determination (TMD).
If your policy issue date is before July 1, 2022you can access Bupa car insuranceProduct Disclosure Statement (PDS)for complete terms and conditions, inclusions and exclusions. look at theTarget market determination (TMD).
Prior to 1 July 2022 insurance was issued by Insurance Australia Limited ABN 11 000 016 722 doing business as CGU Insurance.
Do you need roadside assistance in an emergency?*call us02 7201 5060**
*Applies to customers who have Travel Assistance coverage as part of their insurance policy.
**Call charges apply.
Do you have a complaint to make? Here you will find everything you need to know.
If you have comments or a complaintthrough a general insurance product underwritten by CGU (policy issue date prior to July 1, 2022),learn more here. If you have a general insurance product underwritten by Hollard and managed by Open (Policy Issue Date July 1, 2022),learn more here.
3 things to do when the unexpected happens:
Step
1
Stay healthy and prevent further damage
Your safety first. Once you and others involved are safe, do what you can to minimize or prevent further loss, damage, expense or liability. If necessary, call emergency services, including the police.
Step
2
write down
Write down exactly what happened and when, and make a list of damaged items. Take pictures of the damage from different angles. Please have your policy number and receipts for the damaged items ready before calling us.
Step
3
Get in touch
call us134 135claim as soon as possible.
Are you looking for more than car insurance?
residential insurance
Choose Bupa Ultimate, Comprehensive or Basic to protect your most precious possessions. In addition, Bupa members receive health insurance10% reduced+and Bupa Ultimate Health Insurance members receive15% off+.
To know more
pet insurance
Recover up to 80% of eligible veterinary bills should the unexpected happen to your furry friend. In addition, Bupa members receive health insurance10% reduced+.
To know more
travel insurance
Travel knowing you have unlimited health insurance abroad~and Australia-based case managers for 24/7 emergency assistance. Plus get Bupa health plan members15% off#.
To know more
~The term "unlimited" here means that there is no limited safe sum. Conditions, limitations and exclusions apply. Read the Insurance Benefits and General Exclusions sections of theProduct Disclosure Statement (PDS)for more details.
#Bupa Health members can receive a 15% discount on Bupa travel insurance by entering their membership number in the Membership Number section when entering travel details or by contacting an advisor over the phone. This discount is based on standard premium rates. Not valid with other offers. Conditions, limitations and exclusions apply. refer toProduct Disclosure Statement (PDS).
Frequently asked questions about car insurance
Can I choose my deductible?expand_more expand_less
You have the option of selecting a deductible from $500 to $5,000. Choosing a lower deductible will increase your premium and vice versa, so choose the one that best fits your lifestyle. If you need to file a claim, think about what you can afford to pay.
How do I make a complaint?expand_more expand_less
Most claims can be filed online 24/7 and in some cases you will receive a decision within minutes.
Do you have a complaint to make?visit our portal.
How does the excess work?expand_more expand_less
A deductible is like a contribution you make towards your order. If you choose a lower deductible, your premium will be higher and vice versa.
If a deductible comes into play, you must pay your base deductible plus any applicable additional deductibles. You do not have to pay a deductible if the damage to your car was caused by another car and we do not believe you are at fault and we have all the necessary details from the other party.
For more information on deductibles and when they apply, visitProduct Disclosure Statement (PDS).
Is someone who drives my car insured?expand_more expand_less
We insure licensed drivers and learner drivers as long as they are over the minimum age stated on their policy and meet learner license requirements.
Drivers with an international license are also covered, as long as the Department of Transportation for the state or territory in which they drive the car recognizes the international driver's license and the driver meets the license requirements.
What is Pay-As-You-Drive coverage?expand_more expand_less
Pay As You Drive coverage is comprehensive insurance for those who spend less time behind the wheel.
With the subscription, you can buy between 1,000 and 15,000 km per year, depending on how many kilometers you drive during the insurance period.
We will then ask for your initial mileage within 14 days of starting your policy. Your final mileage is the initial mileage plus the number of miles purchased.
Your insurance certificate shows:
- the initial mileage you provided us;
- the number of kilometers purchased; AND
- Your final mileage.
Don't worry, if you think you're going to drive more than the miles you purchased, you can request a mileage top-up during the period. Simply log into your auto insurance account to make the change. Keep in mind that we also need to adjust your premium. look at ourProduct Disclosure Statement (PDS)for more details.
If you need to file a claim and your mileage is less than the starting mileage or more than the ending mileage at the time of the claim, an additional $1,000 deductible will apply.
Be sure to let us know your initial mileage within 14 days of starting your policy. If you need to file a claim after that time and you do not provide us with your initial mileage, the additional $1,000 deductible will apply.
disclaimer
‡Bupa's first 2 months free promotional conditions for new car insurance customers.The Promotion starts at 00:00 AEDT on 5th October 2022 and ends at 23:59 AEDT on 31st March 2023 for customers who purchase any of the following types of Bupa insurance as a new policy during the Promotion Period: (1) Bupa Auto Insurance (full coverage), (2) Bupa Auto Insurance (third party owned coverage) or (3) Bupa Ultimate Auto Insurance (Bupa Ultimate Comprehensive Coverage), (each an eligible policy), except for these persons who provide notice of the next purchased expiry of their motor vehicle policy from Bupa on or after June 10, 2022. This promotion offers a discount of two-twelfths off the original purchase price of an eligible 12-month policy, including taxes and fees. Premium adjustments within the campaign period receive a proportional discount, based on the insurance period. The reduced insurance premium expires after 60 days, depending on the selected payment cycle. To make an insurance claim on an Eligible Policy, one or more deductibles may apply and a policy premium may be paid. The promotional discount is non-transferable, is in addition to any other discounts applicable to the eligible policy and is renewable at Bupa's discretion. Minimum premiums apply. This promotion is not available to Bupa employees in conjunction with an employee discount.
+Bupa Health members receive a 10% discount on their Bupa home, home, auto and pet insurance policies, and Bupa Ultimate Health members receive a 15% discount on their car, home and home insurance. Minimum premiums apply which may reduce the total advertised discount. We reserve the right to withdraw this discount at any time.
#Bupa Health members can receive a 15% discount on Bupa travel insurance by entering their membership number in the Membership Number section when entering travel details or by contacting an advisor over the phone. This discount is based on standard premium rates. Not valid with other offers. Conditions, limitations and exclusions apply. refer toProduct Disclosure Statement (PDS).
Bupa Home, Landlords, and Car Insurance is distributed by Bupa HI Pty Ltd ABN 81 000 057 590 (Bupa), an authorized agent (No. 354269) of Open Insurance Pty Ltd ABN 23 166 949 444, AFSL 451712 (Open). Issued by Open on behalf of The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard). Bupa and Open are acting as agents for Hollard and not on his behalf. Any advice is general only and does not take into account your personal circumstances. Read first what is relevant on this siteProduct Disclosure Statement (PDS) and Financial Services Guide (FSG)like thisTarget 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 authorized agent of Open Insurance Pty Ltd, AFSL 451712 (Open). This insurance is arranged by Open as agent for AWP Australia Pty Ltd, AFSL 245631 doing business as Allianz Global Assistance (AGA). The AGA issues and administers travel insurance as agent for Allianz Australia Insurance Ltd, AFSL 234708. Conditions, limitations 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 prize pool as a commission. Before buying, consider theProduct Disclosure Statement (PDS)YFinancial Services Guide (FSG). Target market determination (TMD) available atbupatravelinsurance.com.au/tmd.
Bupa Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, organized and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by authorized agent of PetSure (AR) Bupa HI Pty Limited ABN 81 000 057 590, AR 354269. Any advice is general only and does not take into account your individual goals, financial situation or needs. keep in mind theProduct Disclosure Statement (PDS)to ensure that this product meets your needs before purchasing it.PDSand target market determination (TMD) available atbupa.com.au/pet-insuranceto see if these products are right for you.
Dealing with cases of domestic and family violence
If you have been affected by domestic or family violence, please read the applicable domestic and family violence policies here to understand how they can support and support you:
The General Insurance Code
We are proud to endorse the General Insurance Code of Practice, which sets out the standards that general insurance companies must follow 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.