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QBE Insurance Review & Complaints: Commercial, Auto & Home Insurance

QBE Insurance is an Australian company that offers auto, home, and business insurance in the U.S. QBE insurance ratings are a D- with Better Business Bureau, but an A+ with A.M. Best. QBE insurance quotes are not offered online, and there is no information regarding QBE insurance rates available, but you can compare car insurance quotes for free here.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 21, 2020

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QBE Insurance
Financial Strength

If you were searching for QBE insurance reviews, you’ve come to the right place for extensive information. QBE Insurance Corporation is a global company founded in Australia more than 125 years ago. Although they are focused mainly on commercial insurance, QBE also offers a few products for individuals such as car insurance coverage and home insurance.

Are you searching for auto insurance quotes before reading QBE reviews, enter your ZIP code in the FREE comparison tool above to find affordable auto insurance in your area. If you want to learn more about QBE, continue reading.

QBE Insurance Review Summary

QBE Insurance Company was founded in 1886 as the North Queensland Insurance Co. Limited in Australia. In 1921 the Banker’s and Trader’s Insurance Co. was formed, and in 1959 the company acquired Equitable Probate and General Insurance Co. These three company names were combined to finalize the name QBE. Today, the company is Australia’s largest general insurer.

Watch this video that explains the QBE Insurance customer service mission.

In 1991 QBE opened the doors of their North American branch. In the U.S., they offer both business and personal property & casualty insurance, specialty coverage including accident and health, crop insurance, and coverage for financial institutions. In 2015 QBE scaled back their North American operations by selling their underwriter-agency business to Alliant and their mortgage and lenders products to National General insurance.

You can buy QBE insurance, particularly property & casualty, through independent agents and brokers. QBE insurance quotes aren’t offered online, but the company does have some online services such as bill payment. That means QBE insurance rates are not readily available.

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QBE Insurance Products

As previously mentioned, QBE offers mainly commercial products but has a few personal products such as auto insurance and home insurance.

QBE Auto Insurance

QBE’s FlexAuto program is designed to reward good drivers and help keep rates down. According to the website, eligible drivers are determined by driving records and other characteristics. The website does not go into much detail regarding the program or suitable driver characteristics.

From what is provided, the FlexAuto program includes the following:

  • Bodily injury
  • Property damage
  • Medical payments/Personal Injury Protection
  • Physical damage
  • Uninsured/underinsured motorists

Optional add-ons include:

  • Towing and labor
  • Audio/visual equipment
  • Transportation expenses

QBE has an Accident Forgiveness program in which drivers who have had 4 years of continuous coverage and 3 years without a chargeable accident will qualify to have the accident surcharge waived.

They also offer a list of standard discounts such as:

  • Good student discount
  • Proactive customer discount
  • Passive restraint discount
  • Longevity discount
  • Accident/violation-free discount
  • Multi-policy discount

QBE Home Insurance

QBE offers the following levels of homeowner’s insurance. You can get QBE renters insurance and condo insurance through their FlexHome program.

  • FlexHome Value is the most basic policy intended for those with basic needs or seeking to obtain coverage on a budget.
  • FlexHome Plus is a more comprehensive policy offering more coverage and higher limits.
  • FlexHome Ultra is the highest level of homeowner’s insurance, designed for those with higher value homes and a lot of property to protect.

The FlexHome Condominium policy is also available in a basic and Ultra version as well.

QBE home insurance reviews from customers are among the easiest to find online.

Additional Products

Overall, QBE is a specialty insurance company that provides various services. Let’s look at the different products below.

Business Insurance

QBE insures businesses large and small. Business coverage options include:

Specialty Insurance

QBE has a range of specialty products that include some more unusual coverage options. These include:

  • Accident & Health
  • Aviation
  • Management Liability and Professional Lines
  • Cyber
  • Inland Marine
  • Surety

Ask about third party property insurance with QBE. Sometimes marine insurance can cover your personal property if it was damaged on a marine vehicle.

Specialty Products

QBE’s lineup also includes crop insurance, financial institutions coverage, and reinsurance products.

QBE Insurance Rates

Since online quoting is not available, it’s challenging to compare QBE’s rates to other insurance companies. They advertise their rates as competitive, and it is clear from the website that they aim their auto insurance, particularly at low-risk drivers who do not have tickets or accidents.

Since their policies are sold through agents, QBE products will include the cost of commissions. They are unlikely to be competitive with direct-buy insurers.

QBE Insurance Claim Reviews

QBE  policyholders can report claims directly to their insurance agents or to QBE via a toll-free number. There are several numbers available based on which of QBE’s companies is responsible for the policy.

Although QBE does have some online services, there is no option to report a claim online, although it may be possible with a QBE Insurance login. This is unusual for such a large company.

QBE claims contact number is 1-844-723-2524.

QBE Insurance claims are handled similarly to most insurance companies—an adjuster will call the policyholder to go over the facts of the incident, inspect the damage and investigate, and then determine benefits and a settlement.

QBE does not appear to offer any sort of online tracking of claims, which is again something we would expect to see from a large company. Policyholders can contact their agent or adjuster to follow up on claims status.

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Consumer Research and Complaints

QBE is not accredited by the Better Business Bureau (BBB) and has a D- rating. The BBB lists 12 complaints, four of which have been closed in the last 12 months, and 11 complaints regard issues with product and service. This rating is not favorable for a company to have. The Better Business Bureau states the poor rating results from a government action requiring QBE to refund homeowners who were improperly charged for fore-placed insurance policies. The government action was issued in September 2016.

Overall, there are not many reviews of the company available, possibly due to their heavy leaning towards commercial insurance. The complaints themselves don’t raise major red flags, but the entire picture of QBE’s reliability remains somewhat fuzzy due to the lack of reviews and recent government action.

QBE Insurance Review: Financial Strength and Credit Ratings

For insurance experts, the most reliable ratings come from the top financial strength and credit rating agencies such as A.M. Best, Fitch, and S&P Global. We’ve collected the ratings from each of one of those agencies and provided the grades of QBE Insurance.

QBE Insurance Financial Strength and Credit Ratings
Rating CompanyGradeFinancial Outlook
A.M. BestAStable
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Despite the BBB’s rating, QBE appears to have a strong and stable financial outlook, according to A.M. Best. The best way to find out how reliable the company is to compare it to other companies.

QBE Insurance Review: The Bottom Line

QBE is a major insurance company in Australia and a big company overall. They are relatively unknown, especially in terms of personal lines insurance, in the U.S. Their personal lines products include only auto and home, but do appear to have some useful features and options for customers to get the right coverage for their needs. Low-risk customers may find their rates competitive, but most drivers will likely get better rates elsewhere

With an overall lack of information about the products themselves, particularly auto, and no rate information, it’s hard to say whether or not affordable QBE insurance is available to most people. Reviews of the company are minimal, albeit negative, which leaves enough questions to make it hard to recommend QBE.

Now that you’ve read all there is to know about QBE Insurance, it’s time to save on your own insurance. Enter your ZIP code to compare rates now.

Frequently Asked Questions: QBE Insurance Review

If you still have questions, we still have answers. Read our FAQ for more.

#1 – Is QBE a good insurance company?

Under the BBB, the company has performed poorly. However, A.M. Best, Fitch, and S&P Global rate the company as good or excellent. The best way to know is to compare the company with other companies in your area.

#2 – Who is QBE underwritten by?

QBE Insurance Group Limited underwrites QBE insurance policies.

#3 – What does QBE stand for in insurance?

QBE stands for Northern Queensland Insurance Company Limited.

#4 – Which insurance company is best at paying claims?

USAA Insurance Company is the best company as paying out claims.

#5 – How good is Geico’s home insurance?

Geico is one of the top-rated insurance companies in the United States, according to A.M. Best and J.D. Power.

#6 – What is the QBEPay Scam?

Consumers need to know about the QBEPay Scam charge. The QBEPay Scam is not associated with the QBE Insurance Company. If you’ve seen “QBE-AMERICAS-QBEPAY” on your bank statement, contact your banker immediately. Some of these charges come from the Democratic Republic of Congo.


Review Date
QBE Insurance
Author Rating

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. QBE can kick rocks they actually dropped my homeowners insurance policy due to the fact that my furnace from 1992 that is still in great working condition, is over the 20-year coverage that they will provide coverage on so long QBE …….

    not sure what QBE stands for but Quit Bulls@*@&# Everyone!

    • They also would not renew my policy because my home is almost 25yrs old.

      I bought the house in 2013.

      They refused to renew because my air conditioner, hot water heater, and roof were too old.

      I explained to them I replaced water heater 4 yrs ago, replaced air conditioner 6 months ago, and in the purchase disclosure, the roof was replaced in 2008.

      They actually wanted me to call the former house owner for a copy of the roof receipt!

      How impossible would that be since I don’t know who, or where they are.

      So I was told I would have to hire an inspector to evaluate the roof, at my cost.


      I purchased a new policy locally through State Farm, and everything was smooth as silk……….

      until I started receiving letters from Westwood Insurance Agency about my policy with SafeCo and had already requested my lender to send escrow payment to them.

      What the…..? I never authorized anyone but State Farm.

      After shouting at SafCo for unauthorized use of my escrow, I asked them who asked them for a policy, and where they got my info.

      Come to find out, QBE took it upon themselves to give my information to Westwood Insurance Agency to illegally purchase a policy on my behalf.

  2. What ever you do avoid QBE. I had a claim March 19. It is now October 25 and they still haven’t settled my claim. They should be rated a 0 on a 5 star scale.

  3. Avoid QBE as your highest priority, they employ all the worst tactics to avoid paying and ensure customer service experience is as bad as it can get. A simple motorcycle claim has taken nearly 2 months and is becoming an unbearable frustration with little to no contact from the bike dept and then being put through to other dept’s who make empty promises. Avoid!!

  4. QBE cancelled our auto insurance policy because we were late with a payment. I offered to pay 3 years ahead to re-instate our policy. They wouldn’t do it. What do they have to lose? They would have my money in their accounts 3 years ahead. Their excuse, “We don’t do things that way.” Well, maybe you should change how you do things. I think they are just to lazy to do some paperwork that might be out of the ordinary. What a bunch of jerks. Go somewhere else for auto insurance.

  5. We have a combined insurance policy with QBE covering public liability and contents and business interruption on our business. in July 2016 we had a fire and the whole business was burnt down. After 4 months we relocated and started purchasing new equipment to get the business back to normality. At all times their loss adjuster was slow to react and issue any payments. Fortunately we had a good balance and funded most of it ourselves as we waited for the claim to be dealt with. 15 months on despite issuing all of the required paperwork receipts etc we are still to get any business interruption payments under the policy equating to over 80K. As I said we we had a good balance sheet but as a word of caution to anyone looking for business insurance i would recommend you steer clear of QBE if you want to maintain your business level whilst you tackle the trauma of a business loss.

  6. I agree with the other posts that identify this company as the worst. I wasted time and money when I purchased a homeowner’s policy for a like new home in a rural area. The underwriters nitpicked every imperfection on the house. When I called to complain, the customer service agent was equally rude. Worst insurance purchase in my life! Stay away from QBE!

  7. I want to file a complaint against this company! How do I do that? Thank you!

    • Hi Annie,

      One of the most effective ways is to file a complaint with your State’s Insurance Commissioner.

      Eric Stauffer

  8. QBE is the worst company on the market. I am currently seeking legal help to get my claim taken care of. My story is very similar to the rest. The customer service is horrible. I would not recommend this company to my worst enemy!!! QBE short changes you on your claim I am determined to find out who is over this company and which office of insurance fraud I can use .The BBB will definietly get a review on my part

  9. QBE is the worst Insurance people on the Market!!! They are refusing to repair our damages even though my fence is in my neighbors yard. Do I need to hire an attorney to force them to repair our damages?

  10. DO NOT get QBE Insurance !!! Or
    Pacesetters adjusters I am 22 days into my claim. I am 22 days into a nightmare. I have been STOOD UP by the first field adjuster and, and now Hung Up On simply for asking the new field adjuster when his report was turned in and to whom. He was here 10 days ago. (My insurance QBE is claiming that it has NOT yet been turned in). The field adj. refused to tell me saying “I can’t tell you” then he said “I don’t know where the paperwork is,” I asked if he finished it and turned it in yet and he said, “I don’t know”. He doesn’t KNOW if he did the estimate??? He can’t tell me IF he turned it in or to whom??? THEN HE GOT ANRY AND HUNG UP ON ME. Is this a nightmare? I called the number listed for Pacesetters on their facebook page and spoke with [redacted] who has a kind and friendly disposition unlike the 3 people in my region who I have reached out to at Pacesetters ([Redacted $ Redacted]; a husband and wife team who stood me up then [Redacted] the guy who just hung up on me) . [Redacted] is so far very nice and genuine and speaking with his manager to try to see what is up. UPDATE- the field adjuster [Redacted] had made some type of mistake in the paperwork and that is the holdup. [Redacted] got a manager to call [Redacted] to get it fixed. QBE- my first adjuster was [Redacted]. I left him 4 voicemails and NONE were ever returned. I spoke with [Redacted] his manager several times. I reached out to corporate to get a new adjuster and [Redacted] assigned me a new adjuster named [Redacted]. He has been friendly but he is off until Monday and Who was working on this for me while he is out? [Redacted] was on his voicemail to reach out to while he is away. She is NASTY, RUDE, SNARKY, AND MEAN. She literally huffed at me and made me to feel as if I am bothering her greatly. I have never had a more snarky phone call in my life. [Redacted] should get more customer interaction training. I would never let an employee treat a client that way- ever. This entire claim has been a fiasco- many employees who are RUDE and negligent. I PRAY that I do not end up being forced to go to court. All I want is communication, and to get my insurance to honor their end of the deal. I pay this monthly so I have peace of mind- but QBE has given me anything but.

  11. Worst auto insurance I’ve EVER had. I’ll refrain from typing 3 paragraphs, but I give their customer service a 0 out of 10. I would rather take the $20 I was saving a month to a company that at least acts like they are working for you.

    • I feel the same as you do on QBE Insurance. I was involved in an auto accident, I was rear-ended by a stolen vehicle. It was a hit and run and luckily I had full coverage insurance and my policy covers me up to $100,000. I was injured with knee injuries and neck injuries and hired a lawyer and they’re refusing to contact my lawyer and refusing to pay my medical bills so now I have a lawsuit with them.

  12. It’s a NIGHTMARE!!!

    Having a car accident with a 6 month old baby in the car will leave you gasping for breathe wishing it’s just a nightmare you can wake up to. Unfortunately it isn’t. We survive. A no fault claim was lodged. Rental car was issued. So far so good. Called everyday to follow up the assesor and outcome of the vehicle’s assessment. So far so good. Then came the total loss. Total loss department handles my claim now.
    The nightmare came back again. The 14 days rental car is now over. Can’t extend that. We are now without any vehicle at all. Everyday i called them. Wait time is an hour long. Sometimes it disconnect you. If they answer, empathy and customer service is just appalling. And then they ask you to wait another hour or so…while they checked things out and get an answer for you. They came back giving vague answers. Asked you to call tomorrow. And thus the cycle repeats itself.
    The accident was the worst thing that happened to us as a family. Dealing with QBE and this claim is the second worst. We are slowly getting back from the trauma of the accident but dealing with this claim is making us relived the stress and anxiety repeatedly.
    QBE how long are we going to have this nightmare?

  13. QBE insurance adjustor, [Redacted], is your worst nightmare. I was on workers comp disability, and was released and part of my award was a vocational re-training voucher. There was a first and different insurance adjuster that allowed me to use the training voucher to enroll in a project management course in UCLA. I was taking the course and they paid for that semester.

    Apparently, QBE bought the old insurance company and so [Redacted] was assigned to be my insurance adjuster. For each course period, funds were need to be released so I can continue on with my project management training in UCLA. It has been over 1 1/2 years, and when I try to enroll, [Redacted] would give the school and myself a hard time. She would not return emails, phone calls, and has evaded releasing the funds. You try to call her, and she is always away on vacation and never, never could be reached through phone calls. She never recognizes emails. I had the school representative contact her many, many times, but nothing has ever been done. I had tried to Involve my lawyer, but [Redacted] has chosen TOTAL silence. When someone will not give you what you possess, that is BEING THIEF.

    I have never come across in business a despicable behavior displayed by [Redacted]. It’s not as if I was still the enemy of the insurance company. Those funds were awarded to me. I do hope that [Redacted] will be reprimanded or face consequences for her unprofessional, callous behavior by her company as she is not representing QBE right. She gives QBE a bad reputation.

    • Very troubling. Do you have any experience of QBE Specialty Insurance Company? I was considering a wind storm policy from them.

      • For anyone considering a Wind Storm Policy, my advice is to stay as far away from QBE as you can get. Our house in Florida was badly damaged by Hurricane Irma and QBE has turned an already difficult experience into an absolute nightmare. Even the simple act of getting a phone call returned in a timely manner is a near impossibility – much less actually getting a claim paid.

  14. I’m a contractor. I was asked to fill out some forms for QBE, but was sent some terrible fax copies. Called QBE to get some nice, clean copies sent via email.

    They wouldn’t send them except fax, and the only way to get them online was if they gave me an access code which they could only give me if I gave them all sorts of information.

    Way too much hassle for BLANK forms THEY want you to fill out. I guess they’re going to get some crappy fax copies that will be even worse once they’re faxed BACK to them. *shrugs* Some companies have no clue how to help THEMSELVES, much less customers.

  15. Do NOT use QBE Renters Insurance…they will take your money every month and you will never hear from them again if you actually need to file a claim…these guys at QBE are COMPLETE CROOKS….and that is a fact..end of story…you can call all you want to to file a claim during your time of need…QBE will leave you high and dry…Im telling you: dont do it!…lol

  16. QBE is absolutely awful, DO NOT GET THEM.
    I used their renters insurance for a few months for an apartment. When I moved out, I called and cancelled my policy. Turns out, they kept charging me monthly for over a year and a half. They NEVER sent me any mail or emails, and the transaction in my bank account just said “renters insurance” and I didn’t even know what they were called or how to get in contact with them. I went through this huge hassle of claims with my bank before I could contact them (they were charging me still even while I was making claims with the bank). When I called, they transferred me to half a dozen people, each putting me on hold for long amounts of time. They told me I didn’t cancel my policy (which I definitely did, I remember doing it because I was very stressed about money at the time and couldn’t afford it). I finally spoke to a manager and she said she could only give me a refund for one month. If I gave my “move out statement” at my apartments, PROVING I moved out 18 months ago, she’d give me an additional month’s refund. So, if I prove you’ve been scamming me, you still wont give me back my money you stole????
    Anyway, I did this a week ago so I could AT LEAST get my two months back. I emailed them because I have yet to receive any refunds. They told me in a few days it will be processed, and 30 days AFTER that I will get my mediocre refund.
    I will never do business with them again.

  17. I gave them a down payment for house insurance and received a letter that they canceled my insurance and would not be insuring my house. I did not even receive half of my down payment back for 24 days of coverage. Nice scam they have going there.

  18. QBE is terrible. I had flood claim for a catastrophic flood we had here in SC back in October of 2015. They have finally (this week… October 10, 2016) sent the money to my mortgage company for them to send to me. I have yet to receive a cent. Also, The amount they sent is more than $30,000 less than the amount of my lowest quote for the repairs necessary. What am I supposed to do? They do not return phone calls and refuse to accommodate me in any way. My policy was for $144,000 worth of coverage and they will only send me $53,000. Worst of all, the property is a duplex that I rent out and I have paid out over $11,000 in mortgage payments over the last YEAR with zero rental income. I am amazed at how bad a position they have put me in. In addition, my hazard insurance company dropped me today because the building has been vacant for over a year! I feel helpless and will spend the rest of the year filing complaints with the BBB and the SC Dept. of Insurance. I am considering trying to sue if possible. I am through ranting here, but please heed my warning and NEVER consider any insurance policy from QBE. You will be miserably disappointed.

  19. This company is unbelievable, they send out a declaration page that reveals all the prices for insurance, but when it comes to the wind/ hail policy, it shows included. We recently had a tropical storm and I learned then that my deductible was 6,500. So what this means is that there is no way that they can reimburse me for anything because my deductible exceeds my damages. The insurance company tends to never discuss the entirety of what is covered and the actual price

  20. I am a senior and disabled and one of QBE trucks hit my car like 6 weeks ago. I wasn’t moving at the time. The trucker told them I backed up and pulled my bumper off and busted my headlights. Any idiot can look at my car and know I didn’t do any such thing. If I hurt the truck my libilty would be out $1000 of dollars yet they can’t pay iut $1850 to fix my car, and the police report doesn’t even hav us on the right street. I wouldn’t recommend them to anyone. The customer service is lousey. Its like it will take a lawsuit ti settle..

  21. The worst of the worst. Storm damage with over 7k in estimate. Adjuster came under 3k which is my deductible and the claim was closed.
    Called to complain and nothing! You can do the repairs by going to Home depot was the adjuster comments.
    Hiring a private adjuster…

  22. QBE is a horror story waiting to happen. We have had their H/O policy for several years and just had to initiate a claim due to hail damage. Our entire roof needs to be replaced and it took them 2 weeks to start the claim. When we spoke to their claim department we were treated like we were crooks. It took them 2 weeks to get an claims rep. out to the house and then that person had to send them a report. It was then another 3 weeks of calling to find out they were “reviewing” their own adjuster’s report. Another couple of weeks pass and when we call back, after numerous tries, we talk too the claims person on our case and are lectured about how the insurance covers only bringing the roof back to a “reasonable” condition. I explained that I had sent them 3 different quotes from roofers stating that the entire roof needed to be replaced. They finally said they were sending us a check for 70% of the “approved” amount. And that we would receive a check for the rest after I provided them with receipts for the repairs. They sent the check but it was made out to us and our mortgage company, so now we need to forward the check to them for endorsement and then hope they return it quickly so we can have the repairs. The people we have spoken with at QBE have been rude and very unwilling to help. They will never insure anything I have again. A totally worthless and miserble experience!!

  23. OH my! It’s hard to believe that your local insurance rep would not stand behind you in any of the cases above. I’m concerned now that I’m reading this. My son was hit by a dear a week ago and I’ve been promised several times that an adjuster will be out to look at the vehicle but still no one has showed. It’s amazing that a large company would take your money and not stand behind what they promise.
    I’ll be making some calls tomorrow!

  24. After having QBE home insurance for over a decade after a hailstorm in late March the claim is yet not honored. I lost my roof, gutters and ac units but so far QBE IS playing a cat and mouse game. No communication and when contacted the rep tells a story of the check was sent….or administration is backed up!!! All my neighbors homes are repaired but mine is an eyesore. It’s now mid June and no word from QBE……..PLANO, TEXAS.

  25. I just want to let Progressive know the type of company they are supporting with QBE. I never had an issue with progressive for my auto policy. I have always experienced amazing service. When we bought our first home 2 years, I did not question using Progressive for a multi-policy with my homeowners insurance. I have recently had a terrible experience with QBE insurance that left my family (my wife and 5 month old son) without insurance and in a financial mess.

    I am writing QBE Insurance to express my concerns, disgust, and heartbreak over a recent incident that left my family helpless with no one to turn to. On the morning of June 13th, 2016, my wife and I were shocked to find our basement flooded with several inches of water. After calling our family plumber, it was discovered that our sewage line that ran through the basement eroded and cracked, spilling sewage into our finished basement. All of our furniture and most of our belongings stored down there were ruined.

    After our immediate concerns about getting our 5 month old son out of the house, we worried about the next obvious thing – “How much is this all going to cost us – how are we going to afford this.” We were extremely upset, but knew we had insurance for times of crisis like this one. I called QBE during the afternoon of June 13th to put the claim in. To my astonishment, the representative stated that we were in a coverage lapse, for our mortgage company failed to pay our annual premium on time. Confusion and panic took over me, but I was quickly put at ease when the representative assured me things would be taken care of. I was instructed by the representative to have our mortgage company send payment overnight, so our coverage could be reinstated and the claim processed. Our mortgage company contacted QBE, and sent payment via overnight delivery. After a crazy day, we slept well knowing we were in good hands, unaware that things would spiral out of control the next day.

    The next morning, June 14th, we met a restorative company and plumber at our house. We also needed to get clothes and personal belongings, for we would not be able to stay at our house with our 5 month old son. Still upset about the damage that was caused; we were relieved to see how quickly the pipe was being repaired and the basement being cleaned. I then received a call from another QBE representative. This call was different than the prior calls I had with representatives.

    I was informed that our policy could not be reinstated and that the claim would not be covered. Since we had a claim during a lapse in coverage, it is QBE policy that we would not be allowed to be reinstated. My heart sank, and I was in complete disbelief and confusion. “How could this be?” “We had no idea about the lapse in coverage – it was not our fault that there was an issue with payment from the mortgage company.” We were informed that QBE had also sent multiple invoices regarding a $12.00 payment for a change to the policy, in addition to notices to both the mortgage company and us about the coverage being dropped. We had not received any of these notices. We certainly would have paid a $12.00 charge. It turns out that QBE had our old billing address on file. Despite having our current home and address on the insurance policy, and changing the address through Progressive, all of the notices were going to our prior address. Nothing was sent electronically – no calls made. If our mortgage company paid the invoice on time, it would have included the outstanding $12.00 change.

    After many emotional conversations with representatives from QBE, we realized we were on our own. “We legally did everything we had to and are not required to reinstate your policy.” -QBE representative. I explained the conversations I had with prior representatives, and that they assured me the policy would be reinstated. The last rep we spoke to informed us that the prior reps did not know what they were talking about, and once the annual premium payment was received from the mortgage company, it would have been denied by the underwriter’s anyway.

    We feel like we were hit by a bus – completely blindsided. My wife and I have never felt so hopeless and confused. We had no idea our coverage was not renewed. We were dropped on May 28th and this claim was June 13th. Everything just spiraled out of control, and we are left without any support, with part of our home and many personal belongings destroyed. We trust our insurance companies to support us in times of crisis. You found a way out of paying a claim, and immediately took it. I really question your company’s judgment and moral compass. I work in an industry that heavily relies on policies and procedures as its guiding principles in decision making. I can understand that you are following your policy and you legally have no obligation to support us, but there are always opportunities to make decisions outside of those policies to right a situation. Is there no room for compassion in this extremely competitive business world? You contradict your company’s slogan “…..will do all we can to find a way of saying “yes.” No, you did all you could to find a way to say no. “No we will not continue your coverage.” “No we cannot support you.” You found an opportunity to get out of paying money, and took it, leaving your customers, a father, mother, and infant child helpless and unsure how to pay for the major damages incurred to their home. I am absolutely disgusted this is how a company runs its business. I will be sharing our story through many media avenues, and will let as many people know how we were treated in this situation. I will be writing to Progressive Insurance Company as well, to let them know this is how QBE does business.

    I appreciate your time to listen about my situation. I never believed this is how insurance companies treated their customers until I witness it firsthand.

  26. My house burnt down Thursday. After numerous calls …and 5,,8 promises to call they never did..until noon next day….no adjuster till Mon or tues…customer service..F….response time ..F++…rude and worthless.A+…one lady told me there an office hour company 9 to 5…I said sorry my fire didn’t have a watch [Redacted]…..worthless company

  27. QBE is the worst insurance company I have ever had to deal with and I wish I had never used them. We have carpet damage due to a sump pump failure. From my first phone call my claims rep has been rude and acts as if I am bothering her. I have been to every carpet store in my area with the settlement statement every one of them laughed and stated they had nothing in their store for the estimated pricing. Home Depot only had indoor outdoor carpeting at that price. When I contacted my claims rep and submitted a very reasonable quote she then sent out another adjuster who told us his estimate would be even lower. When I asked where I should go to get carpeting at the price they were covering my claims rep was unable to tell me and said it was up to me.

  28. QBE is a bad company. I cancelled with them. and they are still taking money out my account. They are fauds

  29. The adjustors and rude unprofessional and a poor representation of the company. I’ve been calling my adjustor (Redacted) for 30 plus days she’s only returned my call once rude and short. I spoke with her supervisor (Redacted) he was suppose to return my call and didn’t. I wouldn’t refer my worst enemy to this company.

  30. I had QBE for a while had my first claim. Swerved to miss a deer and did some damage to my car from side of road. Only my vehicle was involved I filed a claim to help ease my cost of repairs. They paid out their cost (very little). When I went to check rates my lowest was under $400.00 but they reported my accident so it is in the national insurance data base. My rates jumped up big. Why would a company do that if 1- first claim and no tickets and 2- only vehicle involved. They suck big time I’m never going with them again even if it ends up being inexpensive one to purchase.

  31. Hi Eric , Boy I have read some of these comments and have to agree . I ‘m having major problems with my home and this company not helping me with the damamge from a frozen water pipe . My kitchen floor is sinking and my hot water tank is getting ready to push through my wall to the outside of my home. I’ve never had a claim and have had my home for nearly 30 years . I’m in Kentucky any help with anyone would really help . Thanks for what you do !

  32. Please do yourself a favor and pick any other insurance company other than QBE. This company came up during the Mortgage process with BofA and seemed to have good pricing. Considering that I had never made a home owner claim (25 years) in the past, it seemed like an easy option. WRONG. I have never worked with a company that cares less about the customer. It was clear from the beginning of the process that they were interested in their problem (paying a claim), not mine. I tried to put in a formal complaint with BofA but if they were partners at one time, they are no longer and i see why.

    Off to USAA for me. Good riddance QBE

  33. I don’t like QBE insurance from the moment I talk to the rep. he was rude and did not want to hear my side of my story and found me at fault of an accident just because the other party had a witness.

    I will never use this insurance ever again.

  34. This insurance sucks. The deductible for theft is extremely too high which means unless someone breaks in your home and takes everything you don’t get reimbursed for your items. I requested a new adjuster and was told no. What company forces you to work with an individual you have an issue with. How am I going to know she is going to give me my money in a timely fashion. I should have stuck with my old renters insurance company

  35. I have been in a battle with QBE since August trying to get my (roof replacement) claim approved, At this time my state’s Public Adjuster is assisting me, but we are getting nowhere with this company.Do you have an email address or main corporate phone number that would handle service failures?

    • Hi Shaun,

      The corporate contact info is as follows:

      Wall Street Plaza
      88 Pine Street
      New York, NY 10005

      Phone – 212-422-1212

      Good luck!

      Eric Stauffer

    • Hi Shaun I going through the same thing now! Tree damage roof and I’ve gotten three estimates from 3 different contractors. the cheapest estimate come out to be a $10,500 for roof damage master bedroom damage 2 bathrooms and one closet. QBE somehow coming up with an estimate of $5200. I need help!

      • I went through the same thing in February with QBE. Ice on the roof. Their settlement didn’t even come close to the actual repair costs. Had to fight tooth and nail every step of the way for a $3000 claim. Now they are doubling my premium. Bye bye QBE!

  36. Can you recommend a company that fairs well with h/o insurance on a coastal Delaware vacation home? QBE was referred by my agent, as you can customize the policy, it being a second home. My primary home does not insure coastal areas. Thanks!

    • Hi Donna,

      I am unfamiliar with the Delaware insurance market specifically, but as a whole, QBE isn’t the worst out there.

      If you want to see the companies we recommend in general, check out our Best Insurance Companies page:

      Eric Stauffer


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