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Suncorp Insurance Comprehensive Car Insurance

Advertiser disclosure

The details shown below are for the Comprehensive Advantages Car Insurance

The details shown below are for the Comprehensive Extras Car Insurance

The details shown below are for the Comprehensive Car Insurance

Choose the version of this product that suits you best

  • Comprehensive Advantages Car Insurance

  • Comprehensive Extras Car Insurance

  • Comprehensive Car Insurance

Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
$50
Choice of repairer
Yes
Monthly premiums available
Yes costs extra
Maximum no claim discount
Not Published
Online discount
$50
Choice of repairer
Yes
Monthly premiums available
Yes costs extra
Maximum no claim discount
up to 15%
Online discount
$50
Choice of repairer
Yes

Mozo editorial review Suncorp Insurance Comprehensive Car Insurance

Last updated: 24 September 2020.

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What's hot
  • 2020 Mozo Experts Choice Award
  • $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's range of policies are a great place to start. The Comprehensive Extras option provides added value on top of the standard cover, and is definitely worth looking into. A Mozo Experts Choice Award winner in 2020, 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.

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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 $1,000 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 are a few additional extras that aren’t included in 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  Suncorp Comprehensive Extras Car Insurance. While Suncorp will cover the costs of a rental for 21 days if your car is stolen, you’ll need to opt-in 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. Young drivers could also earn a 10% family discount if their parents have a comprehensive car insurance policy with Suncorp.

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Who is it good for

This is a car insurance policy that works for the whole family, offering attractive multi-policy and young driver discounts.

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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.

Details

Rates and fees information correct as at 28 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • Yes costs extra

  • $500 - $2,100

  • $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

  • Yes

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed

  • Yes - 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.

  • Yes - Unlimited days, max $100 per day.

  • Not at fault - Yes. At fault - Yes. Unlimited days, max $100 per day.

  • Yes - legal liability cover, up to 14 days, $20,000,000 in total, for 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.

  • No

  • Optional Extra

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).

Details

Rates and fees information correct as at 28 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • Yes costs extra

  • $500 - $2,100

  • $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

  • Yes

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed

  • Yes - within 2 years of original registration

  • 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.

  • Yes - Up to 21 days.

  • Not at fault - Yes. At fault - Optional Extra. Up to 21 days, max $75 per day.

  • Yes - legal liability cover, up to 14 days, $20,000,000 in total, for 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.

  • No

  • Optional Extra

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).

Details

Rates and fees information correct as at 28 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Discounts and excesses
  • Yes costs extra

  • $500 - $2,100

  • $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

  • Yes

  • Yes

  • n/a

  • n/a

Coverage summary
  • Agreed

  • Yes - 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.

  • Yes - Up to 21 days.

  • Not at fault - Yes. At fault - Optional Extra. Up to 21 days, max $75 per day.

  • Yes - legal liability cover, up to 14 days, $20,000,000 in total, for 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.

  • No

  • Optional Extra

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).

Customer Reviews

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

Overall
8.2/10
Value for money
7.5/10
Policy coverage
8.0/10
Customer service
8.2/10
Claims handling
8.1/10
Trust
8.1/10

Latest reviews of Suncorp Insurance Comprehensive Car Insurance

  • Overall 10/10
    Fantastic and easy to use

    Suncorp provides great hassle free car insurance. Everything from the app, the claim process and renewal process is easy.

    Read full review

    Suncorp provides great hassle free car insurance. Everything from the app, the claim process and renewal process is easy.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Claire, Australian Capital Territory reviewed 4 days ago
  • Overall 10/10
    Great insurance company.

    They have been great for me over the last year and a half.

    Read full review

    They have been great for me over the last year and a half.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Jess, Queensland reviewed 10 days ago
  • Overall 10/10
    Best insurer, they actually give a damn!

    Onshore staff that are well trained and listen. Claims process is quick and easy. Price is typically higher than competition but the value is worth it.

    Read full review

    Onshore staff that are well trained and listen. Claims process is quick and easy. Price is typically higher than competition but the value is worth it.

    Value for money
    10/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Daniel, Queensland reviewed 16 days ago
  • Overall 8/10
    Basic cover for high price

    Doesn't include roadside assist etc. Very basic cover for a high price.

    Read full review

    Doesn't include roadside assist etc. Very basic cover for a high price.

    Value for money
    6/10
    Policy coverage
    8/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    9/10
    Less
    Amber, Victoria reviewed 20 days ago
  • Overall 1/10
    Don't own their mistakes!

    After being involved in an accident that I was not responsible for my car, a Mercedes E250 was sent for repair to SMART Capital for body repairs. Once I got my car back a week later the parking sensors started playing up. Suncorp is refusing to own the fact that the parking sensors were damaged while my car was under their care. The sensors were working perfectly fine even after the accident they only start playing up when I got the car back from SMART Capital (check their reviews). I would not recommend this insurance if you driving a premium car ( Mercedes, BMW) as they seem to deal with garages that are not qualified to deal with these type of cars. Twice I received conflicting report from SMART Capital first saying the car was perfectly fine there was no issues whatshowever (must be my imagination) second report saying there was a software issue but they were not responsible for it and it was not caused by the accident. Suncorp took my car for a second time for ten days without giving me a replacement car. I had to UBER to attend multiple medical and physiotherapy appointment to treat injury sustained during car accident Jhon the Suncorp Employee that I was dealing with did not care much and did not show empathy.

    Read full review

    After being involved in an accident that I was not responsible for my car, a Mercedes E250 was sent for repair to SMART Capital for body repairs. Once I got my car back a week later the parking sensors started playing up. Suncorp is refusing to own the fact that the parking sensors were damaged while my car was under their care. The sensors were working perfectly fine even after the accident they only start playing up when I got the car back from SMART Capital (check their reviews). I would not recommend this insurance if you driving a premium car ( Mercedes, BMW) as they seem to deal with garages that are not qualified to deal with these type of cars. Twice I received conflicting report from SMART Capital first saying the car was perfectly fine there was no issues whatshowever (must be my imagination) second report saying there was a software issue but they were not responsible for it and it was not caused by the accident. Suncorp took my car for a second time for ten days without giving me a replacement car. I had to UBER to attend multiple medical and physiotherapy appointment to treat injury sustained during car accident Jhon the Suncorp Employee that I was dealing with did not care much and did not show empathy.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Telord, Victoria reviewed about 2 months ago
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