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Comprehensive Car Insurance

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.

Make the switch and #DRIVELIKEABOSS with Stella.

What's included?

We've got you covered for things like damage caused in an accident, weather events, fire and theft, plus damage your car causes to other people's vehicles and property.

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.

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.

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.

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.

Insurance for personal items

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.

Domestic Cover

We will not apply any excess to a claim for damage to your car that arises from a deliberate act by a current or former spouse or partner.

$30m Third Party Liability

If your car causes damage to other people’s property, we’ll cover your liability up to thirty million dollars.

Additional Benefits

Cover for baby capsules and child safety seats, emergency accommodation and transport costs, towing, windscreen repairs, stolen keys and more.

What's optional?

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.

Roadside Assistance

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.

'No-Excess' Windscreen

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.

Hire Car - Extra

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.

Easy to read Policy Documents

We try not to get caught up in the usual insurance jargon, so we’ve shortened and simplified and written them in terms you’ll understand.

Ways to save on your premium?

Small changes to your car insurance quote can make big differences to your budget,
so you can spend more of your money, your way

Choose a higher excess

Lower your premium by increasing your
Basic Excess.

Agreed value insurance

Flexible Agreed Value

Reduce your costs by adjusting the Agreed
Value of your car.

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Pay annually

Save 10% on your premium if you pay it all in one go.

Stop it, we're blushing!

Already insured? Switching to Stella is simple

Unlike some other insurers, we’ll only ask you a few questions before giving you a quote in seconds. Refreshing, right?

For more information please read the Product Disclosure Statement (PDS)

Stella Roadside Assistance

Peace of mind while you’re on the road. Protecting you around the clock from those pesky car problems.
Benefits to keep you and the family safe and sound:

  • Help 24/7, 365 days a year
  • Unlimited call-outs
  • Australia-wide Roadside Assistance
  • Flat Tyre Service
  • Jump Start Battery and Replacement
  • Towing
  • Emergency fuel
  • Key replacement, locksmith or courier service
  • Minor technical advice

Please read the Stella Roadside Assistance Terms and Conditions for the terms, including the coverage, limitations and exclusions apply to this optional extra.


For Roadside Assistance, call 1300 633 811 anytime, anywhere in Australia and have your registration number, location of your vehicle and a contact number handy. Alternatively, you can use the 365 Assist app. 365 Assist’s mobile app is your must have application that provides you with exclusive access to roadside help right at your fingertips 24/7, 365 days.

Still looking for more information?

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