We’ve designed our Car Insurance from a uniquely female standpoint, creating real benefits for safer female drivers. With that being said, if you happen to be male or non-binary, of course we’ll cover you too.
Underwritten by QBE, Stella is competitive on price (grab a quick quote and see for yourself!). By listening to what women of Australia want from their insurance, we’ve created a simplified, easy and intuitive experience.
Underwritten by
Additional Benefits
Cover for baby capsules and child safety seats, emergency accommodation and transport costs, towing, windscreen repairs, stolen keys and more.
$30m Third Party Liability
If your car causes damage to other people’s property, we’ll cover your liability up to thirty million dollars.
Personal Items
If your car has been stolen or involved in an accident, we’ll pay up to $1000 for loss or damage to your personal belongings.
Baby Gear
We’ll pay up to $2,000 for baby gear, such as prams, strollers and other essential baby items that are damaged in a covered incident or stolen from your car.
No Claim Reward
For every consecutive year you don’t make a claim, or only make a claim for a car accident where you were not-at-fault, we’ll reduce your basic excess by $100 each year for up to three years.
New Car Replacement
If you’re the first registered owner of a car and it is written off in its first three years and has driven less than 60,000 km, we’ll replace it with a new car.
Theft and Accident Damage
We’ll protect you from damage or loss caused by theft, attempted theft, collision, malicious damage, fire and natural events such as hail, storm, flood or bushfire.
Domestic Cover
No excess for a claim for car damage caused deliberately by a current or former partner*.
*Policy terms & conditions, limitations and exclusions apply. Please see the Product Disclosure Statement for more details.
We know one size doesn’t fit all, which is why we offer optional extras so you can customise your
comprehensive policy until it’s just right for you.
We’re here for you 24 hours a day, 365 days a year. Flat batteries, flat tyres, lost or locked-in keys, breakdown and towing assistance – call us from anywhere in Australia.
Avoid paying an excess if your car’s windscreen, sunroof or window glass is damaged by an incident that is covered by your policy and needs to be replaced.
Enjoy the convenience of a hire car when your car is out of action following an at-fault incident. We’ll cover hire costs of for up to fourteen days.
This is just a summary. For full details about what is and isn’t covered you should always refer to the Product Disclosure Statement. Roadside Assistance is a separate product that is subject to separate terms and conditions and does not form part of the Stella Comprehensive Car Insurance policy. Please read the Stella Roadside Assistance Terms and Conditions for the terms or see Roadside Assistance below.
Lower your premium by increasing your Basic Excess.
Reduce your costs by adjusting the Agreed Value of your car.
Save 17% on your premium if you pay it all in one go.
Check out our latest blog articles!
For more information please read the Product Disclosure Statement (PDS)
We are a female focused brand with a vision to balance the gender biases that exist for women. In saying that, we insure men too and see ourselves as an inclusive community. We have thousands of customers who are men and are proud that our customers are supportive of our position to support and empower women.
The full Stella experience is available through our web app, or you can purchase a policy by calling us on 1300 633 811, 9am – 5.30pm (Local Sydney Time), Mon – Fri. We currently offer Comprehensive Car Insurance, Nationally, but will be rolling out other product in the future.
You can always get in touch with our team through our website or by calling us on 1300 633 811, 9am – 5.30pm (Local Sydney Time), Mon – Fri, or feel free to send us an email to hello@stellainsurance.com.au whenever you need our help.
We highly value and respect your privacy. Transparency and integrity during the processing of your personal data is very important to us. We comply with data protection regulations, including the EU General Data Protection Regulation. In fact, we like to say we are GDPR compliant by design, building Stella with the customer as our focus. Details on how we process your personal data can be found in our Privacy Policy.
If you provided your email address, we would have sent an email of your quote when it was first made. Try checking your ‘Junk Mail’ folder in case it went there. In the email there will be a ‘Get Covered Now’ button you can select that will take you to where you left quote at. If you can’t find the email, feel free to give our team a call on 1300 633 811 9am – 5.30pm (Local Sydney Time), Mon – Fri, they can assist you to locate the quote with either your email address, registration number or phone number.
Our quotes are only valid for 30 days, so depending on when you made the quote, it may have expired. If this is the case, you will need to get a new quote
You get to see a summary of your coverage and a preview of your customised policy before you pay.
You’ll be able to edit your cover and other policy settings such as the excess, start date, and more – all before you finalise your policy. After payment, we will instantly issue your final policy and send it to you by email.
At Stella we aim to be completely transparent with any costs and fees. Therefore, we have chosen to disclose the administration fee separately on your premium breakdown.
We charge an annual administration fee which is payable when you enter or renew your insurance policy. An administration fee is charged to cover costs associated with opening, maintaining or closing an insurance policy.
Currently, your monthly premium instalments are debited from your nominated debit or credit card on your scheduled instalment date each month. We aim to offer other payment options in the near future to have options that suit your needs.
It is super easy! You can change your payment details at any time via your online customer portal. Simply log in at the top of the web app and select the policy you want to update your details for. Then select ‘Update Payment Details’ to securely enter the preferred debit or credit card. You will be shown a green tick once this has been confirmed.
If you have missed a payment and need us to retry the outstanding amount to your updated card, please contact us via Live chat, email or call to arrange a retry.
You can cancel your policy at any time by giving us a call. If you have paid an annual premium, you will receive a refund for the unused portion of your premium. If you pay your premium by monthly instalments, we will not provide a refund.
And if you ever want to come back? No problem! We’ll just have to create new policy for you. Know that our prices change from time to time, so your new policy may come with a different rate.
Sure, you can! Just check with your insurer what notice you need to give for cancellation and set your start date for your Stella policy on your cancellation date. That’s to avoid overlapping insurance policies, we would hate for you to be paying for cover you already have.
It’s super easy! You can either update your details online by hitting the ‘Login’ button at the top of our web app. Simply log in and select the policy you want to update your details for and we will guide you through the rest of the process there. Or you can get in touch with our team on 1300 633 811 and they will be happy to assist you.
Within your account you can access your policy documents.
Firstly, congrats on the car! In a matter of minutes your able to update your old car to the new, right there from our online customer portal. Depending if your new car costs more or less than your old one, you may be required to pay an additional premium or will get a refund on your premium paid. If you’re having trouble updating online – just contact our dedicated Customer Experience team.
You’ve held your Stella policy for 12 months, where has the time gone? At renewal, there are many factors that are taken into consideration to generate your renewal invite. Factors such as your claim history from the previous period of insurance, the age and value of your vehicle, the risk rating of the area in which the car is kept and any changes you decide to make at the time of renewal.
If you would like to take a closer look at your renewal with a member of our team, feel free to contact us on 1300 633 811 9am – 5.30pm (Local Sydney Time), Mon – Fri, and they would be happy to discuss any changes with you.
Congratulations on your new baby! Before you can get back behind the wheel, we will need you to get the all clear from your doctor first. We don’t require you to send us any documentation, as long as your doctor says its safe for you to drive, then you’re good to go.
Don’t stress! There’s no need to update your policy to include a learner driver. They’re automatically covered under your policy, as long as they’re supervised by a properly licensed driver.
Feeling nervous? Generally, yes, however if your son or daughter has their own car then it should in insured in their name. This also allows them to create their own insurance history and at each renewal they may be entitled to other Stella benefits and incentives.
Note: For your child to be a policyholder, they must be a registered owner of the car.
Good news is your policy covers anyone who drives your car even if you haven’t listed them on your policy. However, additional excess may apply in addition to your basic excess in the event of an incident.
Note: Anyone who drives your car more than twice per month should be listed on your policy. It’s easy to add and remove drivers as required.
Unfortunately, no, Stella does not cover Uber or any other ridesharing services where you transport people for a fee, such as through a ridesharing company’s booking app. You can reach out to the Insurance Council of Australia to find cover that’s right for you.
The more information you can get the better. At minimum you should try and collect the following, irrespective of who’s at fault:
If possible, take photos using your phone, it will all be super helpful for your claim.
Don’t worry, our claims team are here to heap and will deal with anyone involved or witness to the incident on your behalf.
If you need urgent help such as organising a tow, you can call anytime on 1300 633 811, we’re here 24 hours a day, 7 days a week.
What to do following a car accident:
Our current claim lodgment process is completed over the phone with our claims specialists. They are available 24/7 and can be reached by calling 1300 633 811 and selecting option 1.
To make a claim, you’ll need:
The best thing to do is contact our claims team so we can anticipate contact from the third party’s insurer. We’ll handle all communication between the third party and their insurance company on your behalf. We’re available 24 hours a day on 1300 633 811.
This is the amount that you may be required to pay when you make a claim. Think of it as your contribution towards the damage or loss. When you buy a policy, you can choose the excess amount you’d like to have in case of a claim. So, why would anyone choose a higher excess? Well, the higher the excess, the lower your premium will be.
This all depends on the level of cover you have and the type of claim you make. For instance:
Note: We don’t cover other costs related to the hire car such as petrol, upgrades, tolls, traffic fines, accidents or other losses, or insurance excess reduction.
If we determine your car is a total loss (also known as ‘written-off’) and you were the first registered owner of your car and your car is less than 3 years old and travelled less than 60,000 kms we will replace it with a new one. Otherwise we’ll pay you the agreed value for your car minus an excess if required.
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