QBE Auto Insurance Review
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UPDATED: Apr 25, 2022
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QBE Insurance Group Limited is an Australian company that offers automobile insurance in the United States.
“QBE” stands for three original companies which have merged into this large conglomerate: Queensland Insurance, Bankers’ and Traders’ Insurance, and Equitable Insurance. QBE has offices in 45 countries, making it a truly international corporation employing around 13,500 people.
The company generates about $1.97 billion Australian in profit every year. The company has actually been in business, in some form for over 100 years.
QBE offers a variety of insurance and financial products. The company consists of many subsidiaries which have been taken over through the years, so the company is extremely diversified.
The portion covering American insurance is headquartered in New York, with regional offices in Kansas, Ohio and Connecticut. QBE is marketed in America as QBE, but other companies handle the actual administration of the insurance business, such as claims and customer service.
QBE Auto Insurance Coverage
QBE administers its auto insurance through several companies, each focusing on a different type of insurance. Under its special insurance category, QBE sells general liability, commercial vehicle, and non-standard policy.
Auto insurance policies are handled through three companies: General Casualty, Unigard, and National Farmers Union. The general auto insurance is offered throughout the country, with referrals made to the appropriate entity based on the type of insurance you need.
QBE offers several supplemental auto insurance policies in addition to regular liability coverage.
- Property damage coverage gives you protection in case someone’s house, fence, or other property is damaged in an accident.
- Bodily injury coverage gives you medical payments if you are hurt in an accident.
- Collision pays to repair your vehicle if you cause an accident; liability covers only the victim’s vehicle.
- Comprehensive insurance covers damages from anything non-accident related, such as a weather event or vandalism.
- The company also offers medical payments and uninsured or underinsured motorist protection.
Some supplements to liability policies are required for certain states, and agent can help you decide which you need for your situation. Each policy is crafted to meet the needs of the individual customer.
Where does QBE sell auto insurance coverage?
QBE operates under the independent agent system and is licensed in all 50 states. Anywhere you go, a representative can help you find the right QBE policy for you.
Agents can be located by visiting the company’s website or by requesting an online quote through any website offering search engines.
QBE Auto Insurance Ratings and Reviews
While QBE is not rated by popular rating sites such as J.D. Power and Associates, the company’s customer service is provided by Arrowhead General Insurance Agency, a private agency which manages interactions between customers and the company.
Arrowhead General is not BBB accredited (Better Business Bureau), but received a grade of B+ from the organization based on number of customer complaints filed. Claims service is handled by American Claims Management, which received an A rating for their handling of QBE claims from the Better Business Bureau, although this company is also not BBB accredited.
BBB accreditation must be applied for, and there is no information available on whether either company has actually applied for this accreditation.
The company received an A.M. Best rating of A for financial strength. With the power of the huge QBE conglomerate behind the automobile insurance sector’s financial obligations, there is little doubt that QBE can pay claims and is financially solvent.
QBE Auto Insurance Discounts
QBE offers a variety of discounts for customers who qualify to save on their auto insurance premiums. QBE offers safe driver discounts for those customers who consistently avoid accidents and moving violations.
QBE also offer an “experienced driver discount,” which gives better prices to those who have driven longer. Prior insurance discounts will give you credit for the time you spent at another company if you switch to QBE.
Senior driver training discounts offer savings to those senior citizens who attend driver training to help them handle driving at an advanced age. Future renewal discounts also allow customers to save money every time they renew their auto insurance with QBE.
QBE offers a variety of extra protection that you might want to purchase to complete your auto insurance policy. Rental reimbursement allows you to receive cash when you have to rent a car due to repairs from an accident.
Towing and labor coverage gives you protection if your car must be towed or repaired, and pays for these incidental costs. Full glass coverage pays for glass breakage if your car is hit by a rock or other object.