Our insurance benefits are
not for any Tom, Dick and Harry



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Underwritten by

Rewarding, Flexible and Competitive

The power of the Stella community lies in our ability to create real benefits from the fact that our female members statistically drive safer.

We’re competitive on price but know we’re providing comprehensive cover for your car and any damage you might cause to other peoples’ cars and property.

You’ve earned it, you deserve it!

How are you covered?

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 of the same make, model and series.

No Claim Reward

For every consecutive year you don’t make a claim, or only make a claim for a car accident where you made a not-at-fault claim, we’ll give you $100 off your basic excess 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 an incident or stolen from your car.

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’ll cover any damage to your car that arises from a deliberate act by a current or former spouse or partner.

Customised Cover

You can increase the basic excess or adjust the agreed value of your vehicle to set the premium that works best for you.

$30m Third Party Liability

If your car causes damage to other peoples’ 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

Optional Extras

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 up to $75 per day for 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.

Already insured? Switching to Stella is simple

Unlike most insurers, we only need to ask you a few questions before we give you a quote in seconds. Refreshing, right?

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

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Roadside Assistance

You’re never alone with Stella Roadside Assistance 24/7, 365 days a year.

For the equivalent of $1.15 per week your Roadside benefits include:

  • No joining fee
  • Unlimited call-outs
  • Australia-wide Roadside Assistance

Please read the Stella Roadside Assistance Terms and Conditions for the terms, including the coverage, limitations and exclusions apply to this optional extra.
Roadside Assistance T&C’s (PDF)

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