Suncorp Insurance car insurance

Based in sunny Brisbane, the Suncorp Group is an Australian owned, publicly listed company.  Suncorp Insurance is the Insurer of the Year and a winner of two awards in the 2023 Mozo Experts Choice Award.

The winner's history dates back to 1902 and it has been insuring Aussies for more than 90 years. Indeed, with all this experience in the Australian market, you can be sure that your insurance needs are in good hands. 

Want to read more about Suncorp’s car insurance policies? Keep scrolling for more in-depth information on what types of cover the Aussie provider has to offer for your wheels.

Suncorp Insurance offers the following car insurance policies

Cover information and limits in the table below verified as correct at 31 May 2024. Other information correct at the time of writing.
Advertiser disclosure.

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer
Comprehensive Advantages Car Insurance

Yes costs extra

Not Published

$50

Yes

Comprehensive Car Insurance

Yes costs extra

up to 15%

$50

Yes

Comprehensive Extras Car Insurance

Yes costs extra

Not Published

$50

Yes

Who is Suncorp underwritten by?

Suncorp’s car insurance is issued by AAI Limited, operating as Suncorp Insurance. AAI Limited has been a registered business in Queensland for 20 years.

What type of car insurance does Suncorp offer?

Suncorp offers third party property, third party fire and theft and comprehensive car insurance all over Australia. It also offers compulsory third party car insurance in Queensland.

What does a Suncorp car insurance policy cover?

Ok, first things first, you’ll want to know just what you’re covered for under a Suncorp car insurance policy.

It’s always a good idea to read over your PDS thoroughly to be sure you understand the benefits and limitations of any insurance policy, and this is no exception. But here’s a quick idea of what a Suncorp comprehensive car insurance policy covers.

  • A new car if yours is written off
  • The loss of personal property if your car is stolen
  • Broken windshields
  • Emergency repairs without assessment (up to a certain dollar value)
  • Reasonable towing, travel and accommodation costs in an emergency
  • A rental car if yours is stolen
  • Cover for a rental car after having an accident is an optional extra that you can add to your policy
  • Suncorp Roadside Assistance is also an optional extra

What does Suncorp’s comprehensive car insurance not cover?

Of course, knowing what a policy doesn’t cover is just as important as knowing what it does. Some general exclusions with Suncorp’s comprehensive car insurance are:

  • General wear and tear

  • Car repossession

  • Driving under the influence of alcohol

  • Consequential losses, this means the loss of income, medical expenses and so forth as a result of your car being out of action

  • Exceeding the load or passenger limit

  • Damage to your car tyres

  • If your car is driven by an unlicensed driver.

Read the PDS document for a full list of general exclusions with Suncorp’s comprehensive car insurance.

Does Suncorp offer roadside assistance?

Yes, Suncorp does offer ‘Roadside Assist’ as an optional extra. This does mean that it will up the overall cost of your premium, however if you choose to add it to your policy Suncorp will assist you with:

  • Jump starting your car battery.

  • Arranging emergency fuel to be delivered to you. Delivery is free and Suncorp will cover the cost of fuel up to $10.

  • Changing a flat tyre.

  • Lost or locked-in car keys. Suncorp will assist with either delivering your spare car key to you or gaining access to your car if your keys are locked inside. Suncorp will pay up to $250 for this service.

  • Towing your car to an accredited repairer (up to 20kms away and 100kms if there is no accredited repairer within the first 20kms).

  • Transporting your caravan or trailer to the same location as your car. That is if your car is towed away after a breakdown.

More FAQs about Suncorp's car insurance

What does Suncorp’s CTP insurance cover?

The first thing you should know about Suncorp’s CTP insurance is that it is only available in Queensland. So this question is really only relevant to residents of the Sunshine State.

Suncorp’s CTP insurance for Queenslanders offers Driver Protection Cover that includes:

  • Up to $1 million in benefits for serious injuries to eligible at-fault drivers (up to $2 million if your car is comprehensively insured with Suncorp).

  • A $5,000 lump sum to help pay for medical or rehabilitation costs. Applies if the at-fault driver is eligible or likely to be eligible for DPC benefits.

  • Access to advice from a team of healthcare and rehabilitation professionals.

  • A Queensland-based claims team.

Broadly speaking, CTP insurance is designed to provide you with liability cover for injuring others in an accident. Check out our guide to CTP insurance in different states and territories for more information.

What does Suncorp’s third party car insurance cover?

One level up from compulsory third party car insurance, Suncorp’s third party property damage cover includes:

  • Up to $20 million of legal liability for loss or damage your car causes to someone else’s car or property.

  • Up to $5,000 if your car is damaged by an uninsured driver.

  • Insurance for damage caused to other people’s vehicles or property by caravans or trailers towed by your car.

You can also increase your cover with Suncorp’s third party fire and theft protection. This increased cover includes:

  • Theft and fire cover for your wheels

  • Up to $1,000 for after claims expenses (this is to cover emergency travel and accommodation, repairs and replacing your personal property)

  • Covering reasonable costs for a hire car following a theft (for up to 21 days).

Will my Suncorp policy cover modifications to my vehicle?

If you’ve made modifications to your vehicle, then you’ll need to put them down in writing on your car insurance policy in order for them to be covered. Keep in mind that while many modifications can be covered in this way, it will probably mean you pay a higher premium.

Does Suncorp offer any discounts?

On the lookout for discounts? Well good news, because Suncorp does offer a number of discounts to help shave a few extra dollars off your premium. Some ways you can save money with Suncorp are:

  • By buying online and getting $50 off

  • A reduced premium for driving less than 10,000km per year

  • A family discount (10% off comprehensive car insurance, applies if you are under 25 and your parent also has comprehensive car insurance)

  • Specifying the age of additional drivers

  • With Suncorp’s Claims Free Driver Rewards

  • A 15% multiple policy discount for bundling three or more eligible insurance policies.

Eligible customers can also take advantage of Suncorp Benefits via the Suncorp App. With this you can bag savings from retailers such as Woolworths and Myers department store.

Does Suncorp offer a no claims discount?

Yes, Suncorp does offer its own version of the no claims discount, it is called ‘Claims Free Driver Rewards’ and is available with comprehensive car insurance policies.

With the Claims Free Driver Rewards scheme each year you do not make an excess payable claim, Suncorp will give you a percentage off your premium. This will be in the form of a credit and will show up the next time you renew your insurance. The discounts are as follows:

  • 1 year - 2.5%

  • 2 to 3 years - 5%

  • 4 to 8 years - 7.5%

  • 9 to 13 years - 10%

  • 14+ years 15%

Can I choose my excess?

Yes you can! With Suncorp, you can choose either a high or low excess. If you’re looking to save money on your premium, you might choose a high excess in order to do so. But, on the other hand, if you opt for low excess, keep in mind you’ll pay a higher premium.

How can I pay my premium?

If you’re trying to manage a budget, being able to choose how and when you pay your car insurance premiums can be a big help. With a Suncorp policy, you can choose to pay your premium all at once in a lump sum, or you can opt to make monthly instalments to pay it off. But remember - it will cost you extra to pay monthly, so factor that into your budget.

How is my premium calculated?

Your car insurance premium is basically calculated depending on how likely it is you will wind up making a claim. But how does Suncorp work that out? Some factors that might affect how much you pay include:
  • The type of car you drive. Including the make, model and what colour it is.
  • Where you live - is it an area prone to crime or car accidents?
  • Where you park your car. Parking in a secured garage is less risky than parking on the street.
  • Who you are. Your age, how long you’ve been driving and your claims history can all come into play.

How is Suncorp rated by customers?

So how does Suncorp stack up in its customers eyes? There’s no need to go around asking strangers on the street - now you can find out how everyday Aussies rate their Suncorp car insurance policy in terms of things like price, coverage and customer service, by checking out our customer review section.

How to make a claim with Suncorp

If you have to make a claim on your Suncorp insurance, you should have a few things handy to make the whole process as easy as possible. These include:

  • Your Suncorp insurance policy number
  • Details about the accident - when and how it happened. Include pictures if you can.
  • Contact details of any other people involved.
  • If you’re claiming due to theft or vandalism, make sure you make a police report first and include that in your claim.

Once you have those things ready, you can get started with your claim either online, over the phone or through the Suncorp app.

How is Suncorp Insurance car insurance rated?

Mozo users have rated Suncorp Insurance car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of car-insurances
Suncorp Insurance car insurance customer reviews
Overall
8.0/10
Value for money
7.4/10
Policy coverage
7.9/10
Customer service
8.0/10
Claims handling
7.9/10
Trust
7.9/10
Based on 1084 Suncorp Insurance product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Suncorp Insurance car insurance reviews

Suncorp Insurance Comprehensive Car Insurance
Overall 10/10
Ideal for elderly not able to buy another new car

New car replacement regardless of the age of the written off vehicle. with the Insurance taken out within the 1st year of new.

Read full review

New car replacement regardless of the age of the written off vehicle. with the Insurance taken out within the 1st year of new.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Paul, Queensland, reviewed about 2 months ago
Suncorp Insurance Comprehensive Car Insurance
Overall 1/10
Worst company and would rate 0 if I could

My car was written off, which was only 2 years old and the value of the car was nowhere near the value to replace. After 2 months or arguing back and forth, I got nowhere and was left out of pocket by $8,000 for a Kia Stonic, which is not an expensive car. Then they decided to also take my 12-month registration and 12-month insurance, that I had only paid a month before upfront. Other insurance companies give you a refund on the insurance that you haven't used in those 12 months and none of them touch your registration. Then to get my excess of $1600 back, after I was told that I needed to pay to get the claim started and would be refunded once they resolved that the accident wasn’t my fault, was like pulling teeth and took another 2 months to be refunded, so they are just MONEY GRABBERS! Then they sold my written off car at the Auctions, with my personal details left in the Logbooks. I had the new owner harassing me with constant phone calls and this is so wrong on so many levels! I’m absolutely furious with Suncorp and will never use them again in my lifetime.

Read full review

My car was written off, which was only 2 years old and the value of the car was nowhere near the value to replace. After 2 months or arguing back and forth, I got nowhere and was left out of pocket by $8,000 for a Kia Stonic, which is not an expensive car. Then they decided to also take my 12-month registration and 12-month insurance, that I had only paid a month before upfront. Other insurance companies give you a refund on the insurance that you haven't used in those 12 months and none of them touch your registration. Then to get my excess of $1600 back, after I was told that I needed to pay to get the claim started and would be refunded once they resolved that the accident wasn’t my fault, was like pulling teeth and took another 2 months to be refunded, so they are just MONEY GRABBERS! Then they sold my written off car at the Auctions, with my personal details left in the Logbooks. I had the new owner harassing me with constant phone calls and this is so wrong on so many levels! I’m absolutely furious with Suncorp and will never use them again in my lifetime.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Leisa, Queensland, reviewed 7 months ago
Suncorp Insurance Car Insurance
Overall 1/10
Never use Suncorp save yourself the stress!

Will never use Suncorp again. If you get involved in a hit-and-run it will take you months to sort anything with them. They go back and forth and continually waste your time asking for the same information you already gave 3 or 4 times before. They align with a car rental business that we had to threaten legally for charging tolls we never incurred. They waste your time by putting you on hold for hours and then doing absolutely nothing to resolve the issure other than to repeat things you have already told them. Our advice never use them we are even considering pulling our banking with them it's been that stressful and draining.

Read full review

Will never use Suncorp again. If you get involved in a hit-and-run it will take you months to sort anything with them. They go back and forth and continually waste your time asking for the same information you already gave 3 or 4 times before. They align with a car rental business that we had to threaten legally for charging tolls we never incurred. They waste your time by putting you on hold for hours and then doing absolutely nothing to resolve the issure other than to repeat things you have already told them. Our advice never use them we are even considering pulling our banking with them it's been that stressful and draining.

Value for money
4/10
Policy coverage
4/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Brendan, Queensland, reviewed 7 months ago
Suncorp Insurance Car Insurance
Overall 9/10
A full recommendation

Efficient, professional to the point.

Read full review

Efficient, professional to the point.

Value for money
9/10
Policy coverage
7/10
Customer service
10/10
Claims handling
7/10
Trust
8/10
Less
Phillip, Queensland, reviewed 7 months ago
See all car insurance reviews
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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