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Stella at a glance

  • Car insurance designed for women by women
  • One comprehensive policy
  • Rewards if you don’t make a claim for a year

About Stella

Stella car insurance understands women because they’re women too. Stella has taken the first steps in creating a balance in male-dominated industries by creating rewarding, flexible and competitive products primarily for women.

When you look to Stella, you’ll find a car insurance policy designed to suit the needs of women. How did Stella do this? Well, Stella has sat down and listened to the concerns and ideas that matter to women, like their aspirations for products that have:

  • rewards for safe driving
  • simplified terms and conditions, and policy documents
  • easy and quick process for switching between providers
  • flexible cover that suits every stage of life.

Underwritten by QBE Insurance, one of Australia’s largest global insurers, Stella’s simple and easy-to-understand policy is designed for women at every stage of their lives by considering domestic circumstances and including customised cover (more information on this below).

Stella’s car insurance policy

Stella offers an all-in-one comprehensive car insurance policy to ensure that you don’t miss out on some crucial benefits. However, you can adjust your premium and excess levels to one that you’re comfortable with. Their comprehensive policy covers:

  • theft and accidental damage. Cover for theft, attempted theft, collision, malicious damage, fire, and natural disasters (hail, storm, flood and bushfire);
  • new car replacement. A brand-new replacement of the same make, model and series if you’re the first registered driver, your car’s logged less than 60,000km and it’s written off within the first three years of the policy;
  • no claim reward. Enjoy excess reduction for safe driving; you could receive dollars back (e.g. $100) off your basic excess for each year (up to three years) you don’t make a claim;
  • baby gear. You can receive an amount of cover (e.g. up to $2,000) worth of cover for all baby gear that’s been damaged in an accident or stolen from your car;
  • personal items. You can receive cover for up to a limit (e.g. $1,000) for personal items that are stolen with your car or damaged in an accident;
  • domestic cover. Stella won’t apply an excess to claims for damage by a former or current spouse or partner of yours if the incident has been reported to the police;
  • $30m third party liability. If your car causes damage to other people’s property, you can be covered up to $30m; and
  • additional benefits. Cover for emergency accommodation, baby capsules, transport, towing, and more!

What’s more, you get a higher payout rate for baby gear and get covered for transport to your repairer’s destination if they’re a part of Stella’s Accredited Smash Repairer Network.

Optional extras for an additional premium include cover for roadside assistance, no-excess windscreen and car hire. For more details, check your policy’s Product Disclosure Statement (PDS).

Why choose Stella car insurance?

Stella has created a policy that covers you with competitive prices. With easy claims processes, streamlined policy documents and a simple yet comprehensive policy, you can rest easy knowing that you’re safe and secure with Stella.

With Stella, you can benefit with handy extras (i.e. car hire and no-excess windscreen) on top of the standard features that come with the policy. With the launch of their #StellaSquad program, Stella has also committed to sharing some of their profits with female entrepreneurs to help build a stronger community of women and encourage gender equality.

Frequently asked questions

How do I claim with Stella?

Head to Stella’s car insurance claims page on their website to make a claim or by calling them on their 24/7 claims line.  When you claim, make sure you have all the relevant documentation, information and receipts for your claim, including your policy number, details about what happened and details about the people involved.

How do I cancel my Stella policy?

You can cancel your policy at any time and Stella will refund any unused premiums. You can cancel your policy by giving Stella a call.

Furthermore, if you change your mind within the first 21 days of purchasing a policy and you haven’t made any claims, Stella will provide a full refund for your policy.

Do I have to pay an excess when I claim?

You may have to pay an excess, depending on your claim. For instance, if you’re at fault for an accident or you’re unable to identify at-fault party, you’ll likely need to pay an excess. If you’re able to identify the at-fault party, you may not need to pay an excess.

You can choose how much excess you’d like to pay, but keep in mind that the lower your excess payments, the higher your premium will be.

Am I still covered if I use my car for ride-sharing services?

Unfortunately, Stella won’t cover your vehicle if you use it for ride-sharing services.

Am I covered if I drive after a caesarean?

Like all major abdominal surgeries, if your doctor says it’s safe for you to drive, you’ll be covered when you get back behind the wheel.

Does Stella also insure male drivers?

Yes, while Stella has designed their comprehensive policy with women in mind, anyone can take out cover, regardless of their gender.

How do I switch car insurers?

To switch over to Stella or another brand, first use our free comparison service to look for great-value policies. With our service, you can compare a range of policies, premiums, features and cover options all in one place. It’ll only take you a few minutes to look for policies that could suit your budget and needs.

Once you find a policy you like, switching car insurance providers is easy!  Simply go through our comparison journey and fill out the details for your new car insurance policy. Then call your current insurance provider to cancel your old policy.

Note: You may need to pay a cancellation fee, depending on your insurer and policy.

So, what are you waiting for? Compare car insurance today!

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