Suncorp Car Insurance

Choose from five levels of cover and enjoy lifetime new for old car replacement as part of comprehensive cover from Suncorp.

Car insurance is an essential expense for all Australian drivers, providing crucial cover to help keep you on the road and protect your hip pocket against expensive risks. Available with five levels of cover, Suncorp Car Insurance offers a wide range of flexible policy options and is backed by a simple and efficient claims process. Take a closer look at Suncorp’s policies below to decide whether they offer the cover you need.

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Suncorp Car Insurance cover options

Comprehensive cover

Suncorp Car Insurance comprehensive cover protects you against loss or damage to your vehicle caused by storm, flood, theft, collision, impact, malicious damage and more. This includes new for old replacement on vehicles less than two years old, as well as a hire car after theft for up to 14 days. It also provides up to $20 million legal liability cover when your car causes accidental damage to someone else’s vehicle or property.

Comprehensive extras cover

Comprehensive extras cover offers all the same features as comprehensive cover but with the added inclusion of cover for one excess-free windscreen and window glass claim, and hire car after an insured incident for up to 14 days.

Comprehensive advantages cover

The highest level of cover available from Suncorp, this policy offers all the same benefits as comprehensive cover but with a number of key extras. It automatically includes lifetime new for old car replacement cover, as well as unlimited hire car after an insured incident. It also provides cover for one excess-free windscreen and window glass claim.

Fire, theft and third party property damage cover

This policy provides cover for loss or damage to your vehicle caused by fire and theft. This includes emergency travel, accommodation and repairs, as well as cover for personal property and a hire car after theft. It also provides up to $20 million of legal liability cover to protect you when your car causes accidental loss or damage to someone else’s vehicle property, plus $5,000 cover for uninsured motorist damage.

Third party property damage cover

This is the most basic option in Suncorp’s range of policies and it provides $20 million of legal liability cover for when your car causes accidental loss or damage to someone else’s vehicle property. $5,000 cover for loss or damage resulting from a no-fault accident with an uninsured vehicle is also included.

Suncorp Car Insurance levels of cover

Comprehensive cover

  • Covers loss or damage caused by fire, storm, flood, theft, vandalism and more
  • New for old replacement on vehicles less than two years old
  • Hire car after theft
  • 7-day repair guarantee
  • Your choice of repairer
  • $20 million legal liability cover
  • Flexible premium payment options
  • 21-day money-back guarantee

Comprehensive extras cover

  • All the features of comprehensive cover
  • One excess-free windscreen and window glass cover
  • Hire car after an insured incident for up to 14 days
  • Flexible premium payment options
  • 21-day money-back guarantee

Comprehensive advantages cover

  • Suncorp’s highest level of cover
  • All the features of comprehensive cover
  • Lifetime new for old replacement
  • Unlimited hire car after an insured incident
  • One excess-free windscreen and window glass cover
  • Flexible premium payment options
  • 21-day money-back guarantee

Fire, theft and third party property damage cover

  • Covers loss and damage caused by fire and theft
  • Hire car after theft
  • Cover for personal property
  • Replacement of stolen keys
  • Emergency travel, accommodation and repairs
  • $20 million legal liability cover
  • Flexible premium payment options
  • 21-day money-back guarantee

Third party property damage cover

  • $20 million legal liability cover
  • $5,000 uninsured motorist damage cover
  • Flexible premium payment options
  • 21-day money-back guarantee

General exclusions

Your Suncorp Car Insurance claim will not be paid if:

    • You enter into an agreement or contract accepting liability
    • The driver of your vehicle at the time of an incident was under the influence of alcohol or drugs
    • It arises due to the legal confiscation or repossession of your car or its contents
    • It is caused by structural, mechanical, electrical or electronic failure or breakdown
    • It is caused by mould, mildew, wear, tear, rust, corrosion or depreciation
    • Your car was being driven in a damaged, unsafe or unroadworthy condition
    • It is for consequential loss of any kind, for example loss of income
    • Your car was being used to illegally store or transport dangerous goods
    • Your car was being driven while exceeding load or passenger limits
    • You fail to take reasonable protections to prevent loss, damage or liability occurring
  • Your car was being used for hire, fare or monetary reward
  • It results due to intentional loss or damage caused by you, or by someone acting with your consent
  • Your car was being used in any kind of motor sport
  • It results due to your intentional or reckless act
  • Your car was being used for unlawful purposes
  • Your car was being driven by an unlicensed driver
  • Your claim arises due to the use of the incorrect type of fuel
  • It is for loss or damage that occurs outside Australia
  • It is for tyre damage caused by braking, punctures, road cuts or bursting

Suncorp Car Insurance excess

The excess is the amount you have to pay for each incident when you make a claim, and the following excesses may apply to your Suncorp policy:

  • Standard excess. This applies to all claims unless otherwise stated in the product disclosure statement (PDS).
  • Voluntary excess. You can choose to attach an additional voluntary excess to your policy in return for cheaper premiums.
  • Age excess. This excess applies if your car was being driven or used by someone under 25 years of age at the time of an incident.
  • Inexperienced driver excess. You’ll need to pay this excess if, at the time of an incident, your car was being driven or used by an inexperienced driver (someone 25 years or older who has not had a driver’s licence for the past two consecutive years).
  • Driver history excess. This excess is payable if your car was being driven or used by someone who had their licence cancelled, suspended, disqualified or restricted in the three years prior to an incident.

How to save on your Suncorp Car Insurance policy

You can lower your Suncorp Car Insurance premiums by following a few simple tips:

  • Add a voluntary excess. Adding this additional excess to your policy will allow you to enjoy reduced premiums.
  • Buy online. You can take advantage of $50 off the cost of cover when you buy comprehensive insurance online.
  • Drive less. Discounts are also available to policy holders who drive less than 10,000km per year.
  • Multi-policy discount. If you combine three or more eligible policies from Suncorp’s insurance range, you can receive a 15% multi-policy discount.
  • Claims-free driver rewards. The more years you go without making a claim on your Suncorp Car Insurance policy, the greater the discount you are entitled to.

Making a claim

When you need to make a claim on your policy, you can contact Suncorp’s claims team via phone 24 hours a day, 7 days a week. You’ll need to have details of the incident at hand to help ensure a faster claims process, and Suncorp will be able to arrange the towing of your car (if necessary) to one of its assessment centres or repair facilities.

You will also need to supply information to and evidence to support your claim, such as:

  • The names, contact information and insurance details of anyone else involved in an accident
  • The details of witnesses to an incident
  • A police incident report number (in cases of theft)
  • In cases where you have caused property damage, any demands for compensation or notices of court action
  • Proof of ownership of your vehicle

FAQs

Yes, a 21-day cooling-off period applies. If you cancel cover within 21 days of purchasing a policy, your premium will be refunded.

You can pay your premiums annually or in monthly instalments, but cover costs more if you choose the latter option.

Yes, Suncorp Roadside Assist is available as an extra-cost option on comprehensive advantages, comprehensive extras and comprehensive policies.

Yes, repairs authorised by the insurer are guaranteed for the life of your car.

Suncorp Car Insurance offers a host of flexible features and is well worth a look if you’re searching for cover for your vehicle. However, compare the features and cost of a range of policies before deciding on the best policy for your vehicle.

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