Rates and fees verified as correct at 17 January 2022. 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
|Comprehensive Car Insurance|| |
Yes costs extra
up to 15%
|Comprehensive Extras Car Insurance|| |
Yes costs extra
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.
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.
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.
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
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.
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.
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.
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).
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.
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.
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%
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.
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.
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.
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:
Once you have those things ready, you can get started with your claim either online, over the phone or through the Suncorp app.
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.
Have -length of options for cover and great lifetime new for old replacement however they are much more expensive that other companies and their multi policy discount does not seem to make much of a difference.Read full review
Have -length of options for cover and great lifetime new for old replacement however they are much more expensive that other companies and their multi policy discount does not seem to make much of a difference.
Definitely recommend Suncorp. they’re very easy to contact, everything is quick and can be done from the app. the prices are hefty but you pay for ongoing customer support that are always happy to help. Quality is very important! the whole process from signing up to making a claim, is outstanding. highly recommend.Read full review
Definitely recommend Suncorp. they’re very easy to contact, everything is quick and can be done from the app. the prices are hefty but you pay for ongoing customer support that are always happy to help. Quality is very important! the whole process from signing up to making a claim, is outstanding. highly recommend.
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