Product Disclosure Statement (PDS) and Financial Services Guide (FSG)
This combined PDS and FSG applies to new policies purchased on or after 8 July 2025.
Additional Information Guide (AIG)
Read this guide if your policy has a commencement date on or after July 2025.
Target Market Determination (TMD)
This TMD applies to new policies purchased on or after 8 July 2025.
Complaints Handling Guide (CHG)
Read this guide for how to make a complaint for policies purchased on or after 24 June 2024.
Current Standard Roadside Assistance Terms and Conditions
Please read the Stella Standard Roadside Assistance Terms and Conditions for the terms, including the coverage, limitations and exclusions that apply to this optional benefit.
Current Premium Roadside Assistance Terms and Conditions
Please read the Stella Premium Roadside Assistance Terms and Conditions for the terms, including the coverage, limitations and exclusions that apply to this optional benefit.
Previous Roadside Assistance Terms and Conditions
If your Roadside Assistance benefit was purchased after 21 November 2024 and before 18 December 2024 and , these Stella Roadside Assistance Terms and Conditions apply.
If your Roadside Assistance benefit was purchased before 20 November 2024, these Stella Roadside Assistance Terms and Conditions apply
Product Disclosure Statement (PDS) and Financial Services Guide (FSG)
This combined PDS and FSG applies to new policies purchased on or after 25 July 2024.
Additional Information Guide (AIG)
Read this guide if your policy has a commencement date on or after 24 June 2024.
Target Market Determination (TMD)
This TMD applies to new policies purchased on or after 25 July 2024.
Complaints Handling Guide (CHG)
Read this guide for how to make a complaint for policies purchased on or after 24 June 2024.
Product Disclosure Statement (PDS)
This PDS applies to new policies purchased between 1 December 2023 - 30 April 2024.
Additional Information Guide (AIG)
Read this guide if your policy has a commencement date between 1 September 2022 - 30 April 2024.
Financial Services Guide (FSG)
This FSG applies to new policies purchased between 1 September 2022 - 30 April 2024.
Target Market Determination (TMD)
This TMD applies to new policies purchased between 1 September 2022 - 30 April 2024.
Complaints Handling Guide (CHG)
Read this guide for how to make a complaint for policies purchased between 1 September 2022 - 30 April 2024.
Product Disclosure Statement (PDS) and Financial Services Guide (FSG)
This combined PDS and FSG applies between 4 July 2024 – 24 July 2024.
Product Disclosure Statement (PDS) and Financial Services Guide (FSG)
This combined PDS and FSG applies between 24 June 2024 – 3 July 2024.
Product Disclosure Statement (PDS)
This PDS applies to new policies purchased between 1 September 2022 - 30 November 2023.
Product Disclosure Statement (PDS)
This PDS applies to new policies purchased between 1 April 2021 – 31 August 2022.
Product Disclosure Statement (PDS)
This PDS applies to new policies purchased between 1 July 2020 – 31 March 2021.
Financial Services Guide (FSG)
This FSG applies to new policies purchased between 21 September 2020 – 31 August 2022.
Financial Services Guide (FSG)
This FSG applies to new policies purchased between 1 July 2020 – 20 September 2020.
Additional Information Guide (AIG)
Read this guide if your policy has a commencement date between 1 July 2020 – 31 August 2022.
Target Market Determination (TMD)
This TMD applies to new policies purchased between 4 July 2024 – 24 July 2024.
Target Market Determination (TMD)
This TMD applies to new policies purchased between 24 June 2024 – 3 July 2024.
Target Market Determination (TMD)
This TMD applies to new policies purchased between 5 October 2021 – 31 August 2022.
Additional Information Guide (AIG)
Read this guide if your policy has a commencement date after 24 June 2024.
Target Market Determination (TMD)
This TMD applies to new policies purchased on or after 25 July 2024.
Product Disclosure Statement (PDS)
This PDS applies to new policies purchased between 1 December 2023 - 30 April 2024.
Additional Information Guide (AIG)
Read this guide if your policy has a commencement date between 1 September 2022 - 30 April 2024.
Financial Services Guide (FSG)
This FSG applies to new policies purchased between 1 September 2022 - 30 April 2024.
Target Market Determination (TMD)
This TMD applies to new policies purchased between 1 September 2022 - 30 April 2024.
Complaints Handling Guide (CHG)
Read this guide for how to make a complaint for policies purchased between 1 September 2022 - 30 April 2024.
Product Disclosure Statement (PDS) and Financial Services Guide (FSG)
This combined PDS and FSG applies between 4 July 2024 – 24 July 2024.
Additional Information Guide (AIG)
Read this guide if your policy has a commencement date after 24 June 2024.
Target Market Determination (TMD)
This TMD applies to new policies purchased on or after 25 July 2024.
Product Disclosure Statement (PDS) and Financial Services Guide (FSG)
This combined PDS and FSG applies between 24 June 2024 – 3 July 2024.
Product Disclosure Statement (PDS)
This PDS applies to new policies purchased between 1 September 2022 - 30 November 2023.
Product Disclosure Statement (PDS)
This PDS applies to new policies purchased between 1 April 2021 – 31 August 2022.
Product Disclosure Statement (PDS)
This PDS applies to new policies purchased between 1 July 2020 – 31 March 2021.
Financial Services Guide (FSG)
This FSG applies to new policies purchased between 21 September 2020 – 31 August 2022.
Financial Services Guide (FSG)
This FSG applies to new policies purchased between 1 July 2020 – 20 September 2020.
Additional Information Guide (AIG)
Read this guide if your policy has a commencement date between 1 July 2020 – 31 August 2022.
Target Market Determination (TMD)
This TMD applies to new policies purchased between 4 July 2024 – 24 July 2024.
Target Market Determination (TMD)
This TMD applies to new policies purchased between 24 June 2024 – 3 July 2024.
Target Market Determination (TMD)
This TMD applies to new policies purchased between 5 October 2021 – 31 August 2022.
We’re happy to answer any questions you may have. You can also check our Help page for some quick answers or simply contact us for more information!
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*Underwriting criteria, policy terms and conditions, limits, sub-limits and exclusions apply. Promotional Ts&Cs apply. Visit stellainsurance.com.au/car-insurance/ for full details. The ‘15% discount’ promotion on Stella Comprehensive Car Insurance offer is available from 01/05/2025 – 30/06/2025 (AEST) to new Stella Car insurance customers only. Available by using the promotional code NEW15 when purchasing a new Stella Comprehensive Car Insurance policy at online checkout during the offer period and for the first year of the policy only. Not to be used in conjunction with any other Stella car offer. For more details, please read full T&Cs here. Stella Comprehensive Car Insurance is distributed by Stella Underwriting Pty Ltd (Stella) (ABN 72 633 811 319) as an Authorised Representative (AR No 001282046) of Virginia Surety Company, Inc. (ARBN 080 339 957, AFSL 245579), who is the insurance issuer. 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. Benefits are subject to the terms and conditions including the limits, sub-limits and exclusions of the insurance policy. You should consider the appropriateness of any such advice, and read the Product Disclosure Statement (PDS), the Target Market Determination (TMD) and Financial Services Guide (FSG) for these products available at www.stellainsurance.com.au, before making a decision to acquire, or to continue to hold, the product.
WeMoney Insurance Awards 2024: Winner – Car Insurer of the Year – Back-to-back (3 years), Winner – Best for Quality (Car Insurance) – Back-to-back (2 years), Winner – Outstanding Customer Service (Car Insurance) – Back-to-back (2 years), Winner – Outstanding Claims Experience (Car Insurance), Finalist – Best for Value (Car Insurance), and Finalist – Outstanding Customer Service (Pet Insurance).
Stella Comprehensive Car Insurance is distributed by Stella Underwriting Pty Ltd (Stella) (ABN 72 633 811 319) as an Authorised Representative (AR No 001282046) of Virginia Surety Company, Inc. (ARBN 080 339 957, AFSL 245579), who is the insurance issuer.
Stella Travel Insurance is issued by Pacific International Insurance Pty Ltd (ABN 83 169 311 193) (Pacific) and distributed by Stella Underwriting Pty Ltd (ABN 72 633 811 319, AR 001282046) acting as an Authorised Representative of battleface Insurance Services Pty Ltd (ABN 28 650 606 045, AFSL 536280) (battleface), also operating under the trading name Robin Assist, which is acting under a binding authority as agent for Pacific.
Stella Pet Insurance is issued by Pacific International Insurance Pty Ltd (ABN 83 169 311 193, AFSL No. 523921) (Pacific) and distributed by Stella Underwriting Pty Ltd (ABN 72 633 811 319, AR 001282046) acting as an Authorised Representative of ThePetInsuranceCompany.com.au Pty Ltd (ABN 38 620 795 735, AFSL 536651) (The Pet insurance Company), which is acting under a binding authority agreement as agent for Pacific.
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. Benefits are subject to the terms and conditions including the limits, sub-limits and exclusions of the insurance policy. You should consider the appropriateness of any such advice, and read the Product Disclosure Statement (PDS), the Target Market Determination (TMD) and Financial Services Guide (FSG) for these products available at www.stellainsurance.com.au, before making a decision to acquire, or to continue to hold, the product.
Stella acknowledges the Traditional Owners of Country throughout Australia and recognises their continuing connection to lands, waters, communities and culture. We pay our respect to Aboriginal and Torres Strait Islander cultures; and to Elders past, present and emerging.
05.28.2024 backup WeMoney Insurance Awards 2024: Winner – Car Insurer of the Year – Back to back (3 years), Winner – Best for Quality (Car Insurance) – Back to back (2 years), Winner – Outstanding Customer Service (Car Insurance) – Back to back (2 years), Winner – Outstanding Claims Experience (Car Insurance), Finalist – Best for Value (Car Insurance), and Finalist – Outstanding Customer Service (Pet Insurance).
Comprehensive Car Insurance Policies with an effective date prior to 1 May 2024.
Stella Comprehensive Car Insurance issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE) and distributed by Stella Underwriting Pty Ltd (ABN 72633811319) acting as an Authorised Representative (AR 001282046) of Insurtech Gateway Australia Pty Ltd (ABN 27 633 140 879, AFSL 525866), which is acting under its own AFSL on behalf of QBE.
Stella Travel Insurance is issued by Pacific International Insurance Pty Ltd (ABN 83 169 311 193) (Pacific) and distributed by Stella Underwriting Pty Ltd (ABN 72 633 811 319, AR 001282046) acting as an Authorised Representative of battleface Insurance Services Pty Ltd (ABN 28 650 606 045, AFSL 536280) (battleface) which is acting under a binding authority as agent for Pacific.
Stella Pet Insurance is issued by Pacific International Insurance Pty Ltd (ABN 83 169 311 193) (Pacific) and distributed by Stella Underwriting Pty Ltd (ABN 72 633 811 319, AR 001282046) acting as an Authorised Representative of Knose Financial Services Pty Ltd (ABN 38 620 795 735, AFSL 536651) (Knose), which is acting under a binding authority as agent for Pacific.
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. Benefits are subject to the terms and conditions including the limits, sub-limits and exclusions of the insurance policy. You should consider the appropriateness of any such advice, and read the Product Disclosure Statement (PDS), the Target Market Determination (TMD) and Financial Services Guide (FSG) for these products, before making a decision to acquire, or to continue to hold, the product.
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