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Stella Comprehensive Car Insurance (Stella Insurance) is issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). Allstate Insurance Pty Limited, (ABN 82 073 267 053, AFSL 239010, Allstate) is authorised to distribute Stella Insurance on behalf of QBE acting under its own AFSL. Stella Underwriting Pty Ltd, (ABN 72 633 811 319, AR 001282046, Stella) is an authorised representative of Allstate and acts on behalf of Allstate. Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. To decide if this product is right for you, please read the Stella Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG) and consider the Target Market Determination (TMD) to decide if it’s right for you. . *Based on external analysis of comprehensive motor premium and claims information October-November 2019.