Suncorp Insurance - Comprehensive Car Insurance

Suncorp Insurance Comprehensive Car Insurance Review

Rates and fees information correct as at 16 December 2018.

Review published: 20 September 2017

What's hot:

  • 2018 Mozo Experts Choice Winner

  • $50 online discount

  • 15% multi-policy discount

  • 10% family discount for under 25’s

What's not:

  • $1,400 unlisted young driver excess

Mozo snapshot:

If you’re after a car insurance policy that combines an extensive level of cover with a comforting level of affordability then Suncorp Comprehensive Extras Car Insurance is definitely worth looking into. A Mozo Experts Choice Value winner for in 2018, this policy will have your car covered across a range of potential road-related incidents and has the added benefit of Suncorp’s multi-policy, online and family discounts to make it that little bit more attractive.

Key features:

With Suncorp Comprehensive Extras Car Insurance more than just your physical vehicle is covered. For example, if you own a trailer you will be covered up to the value of $1,000 and you’ll also get an additional $500 worth of cover for any personal property that may be stolen or damaged in an accident. This policy also comes packed with features that give you an element of control over your car insurance. Suncorp affords you the freedom to choose who repairs your car and will come to an agreed value with you over the worth of your car, so you’ll know exactly what your payout will be if your pride and joy is written off or stolen.

In saying that, there a few additional extras that aren’t included in the standard version of this policy. For example, if you really value roadside assistance or windscreen cover, you’ll need to opt for these as extras when taking out a Suncorp Comprehensive Extras Car Insurance policy. While Suncorp will cover the costs of a rental for 14 days if your car is stolen, you’ll also need to opt for an additional extra if you want rental costs covered following an accident. And if you’re keen on paying your premiums monthly, this will also cost you a few extra dollars.

Despite providing a comprehensive level of cover, Suncorp’s Comprehensive Extras Car Insurance doesn’t need to break the bank.  Right off the bat, you’ll be able to earn a $50 discount for buying this policy online. Further than this, you’ll be able to earn a 15% discount if you hold three or more insurance policies with Suncorp and young drivers could earn a 10% family discount if their parents have a comprehensive car insurance policy with Suncorp.

Who it's good for:

Insuring your car as a young person can be pretty pricey. So if you’re under the age of 25 and one of your parents has their car insurance covered by Suncorp then it would be pretty smart to snap up that 10% family discount.

Any catches?

Be aware that if a driver under the age of 25 has an accident in your car and isn’t listed on your policy, you’ll be forced to stump up the sizeable $1,400 unlisted young driver excess.

How is Suncorp Insurance car insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
8.2

Based on 986
Suncorp Insurance car insurance reviews

7.5 8.0 8.2 8.1 8.1

Read Suncorp Insurance car insurance reviews by the Mozo community

Latest reviews of Suncorp Insurance Comprehensive Car Insurance

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Overall rating   8 / 10

A name you can trust

Suncorp CTP has always been the one to use. Pricing is competitive and they are a name you can trust.

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Suncorp CTP has always been the one to use. Pricing is competitive and they are a name you can trust.

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   9 / 10

    Claims handling   7 / 10

    Trust   8 / 10

Less

Samantha, Victoria, reviewed 24 days ago

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Overall rating   10 / 10

Good

Great service whenever I’ve had to ring them.

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Great service whenever I’ve had to ring them.

    Value for money   5 / 10

    Policy coverage   6 / 10

    Customer service   9 / 10

    Claims handling   6 / 10

    Trust   10 / 10

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Tracy, Queensland, reviewed about 1 month ago

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Overall rating   9 / 10

Great

Best car insurance ever.

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Best car insurance ever.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

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Joyce, Queensland, reviewed 9 months ago

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Overall rating   10 / 10

Definitely #1 for Car Insurance

All I can say about Suncorp Insurance is; they are amazing and perfect.

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    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Chante, Queensland, reviewed 9 months ago

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Overall rating   10 / 10

Great business

Suncorp has the best rates.

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Suncorp has the best rates.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Samantha, Queensland, reviewed 10 months ago

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Currently showing

Discounts and excesses

  • costs extra

  • $600 - $1,500

  • $400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

  • Not Published

  • 14 years

  • $50

  • 15% discount if you hold three or more eligible policies with Suncorp.

  • Claims Free Driver reward applies a discount to the year following each year you do not make a claim, and cannot be protected, but level is essentially protected because it never decreaeses (either increase or stays same).

  • 10% family discount available for people under 25 if a parent has a comprehensive motor vehicle insurance with Suncorp

Service features

  • Optional Extra

  • none

  • none

Coverage summary

  • Agreed

  • - lifetime new car replacement if you are the first registered owner and have held the policy with the insurer since new

  • Up to $1,000 if damaged or stolen, combined with emergency repairs and options.

  • Yes - $0 windscreen excess on first claim each year.

  • Up to $1,000 combined with personal property and emergency options.

  • Reasonable towing costs. Up to $1,000 accommodation costs if greater than 100 km from home (combined with personal property and emergency repairs). $250 for travel cost per incident.

  • - Unlimited days.

  • Optional Extra - Unlimited days.

  • Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.

  • Up to $1,000 for trailer only.

  • No

  • Up to $750 per item

  • Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages.

Discounts and excesses

  • costs extra

  • $600 - $1,500

  • $400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

  • Not Published

  • 14 years

  • $50

  • 15% discount if you hold three or more eligible policies with Suncorp.

  • Claims Free Driver reward applies a discount to the year following each year you do not make a claim, and cannot be protected, but level is essentially protected because it never decreaeses (either increase or stays same).

  • 10% family discount available for people under 25 if a parent has a comprehensive motor vehicle insurance with Suncorp

Service features

  • Optional Extra

  • none

  • none

Coverage summary

  • Agreed

  • - within 2 years of original registration

  • Up to $1,000 if damaged or stolen, combined with emergency repairs and options.

  • Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

  • Up to $1,000 combined with personal property and emergency options.

  • Reasonable towing costs. Up to $1,000 accommodation costs if greater than 100 km from home (combined with personal property and emergency repairs). $250 for travel cost per incident.

  • - Up to 14 days.

  • Optional Extra - Up to 14 days.

  • Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.

  • Up to $1,000 for trailer only.

  • No

  • Up to $750 per item

  • Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages.

Discounts and excesses

  • costs extra

  • $600 - $1,500

  • $400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for inexperienced drivers over 25.

  • 15% (VIC)
    15% (TAS)
    15% (NT)
    15% (NSW)
    15% (QLD)
    15% (SA)
    15% (WA)
    15% (ACT)

  • 14 years

  • $50

  • 15% discount if you hold three or more eligible policies with Suncorp.

  • Claims Free Driver reward applies a discount to the year following each year you do not make a claim, and cannot be protected, but level is essentially protected because it never decreaeses (either increase or stays same).

  • 10% family discount available for people under 25 if a parent has a comprehensive motor vehicle insurance with Suncorp

Service features

  • Optional Extra

  • none

  • none

Coverage summary

  • Agreed

  • - within 2 years of original registration

  • Up to $1,000 if damaged or stolen, combined with emergency repairs and options.

  • Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.

  • Up to $1,000 combined with personal property and emergency options.

  • Reasonable towing costs. Up to $1,000 accommodation costs if greater than 100 km from home (combined with personal property and emergency repairs). $250 for travel cost per incident.

  • - Up to 14 days.

  • Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.

  • Up to $1,000 for trailer only.

  • No

  • Up to $750 per item

  • Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

(*as voted by the Mozo community)

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