Comprehensive Car Insurance
Full Comprehensive Car Insurance
Suncorp offers you a number of options and 3 levels of car insurance cover, so you can take out a car insurance policy to suit you.
Levels of car insurance cover available are:
- Third Party Property - cover for loss of or damage to another person's property caused by your vehicle.
- Extra - Fire, Theft and Third Party Property Damage cover
- Comprehensive - for full vehicle protection.
| Product |
Description |
| Rating 1 For Life* |
If you have been a Rating 1 driver with your current insurer for the past 2 years and have made no 'at fault' claims in that time, you're automatically eligible for Rating 1 For Life at no extra cost. Your Rating 1 is protected, no matter how many claims you have in the future or who is at fault. |
| 2 Year New Replacement Vehicle |
If you are the first registered owner of a car, 4WD, motor cycle, utility or van up to 2 tonnes carrying capacity, you can choose to accept a new replacement vehicle of the same make, model and series if your vehicle:
- has comprehensive cover and
- is a total loss within 2 years of the date of your vehicle's original registration.
|
| Lifetime repair guarantee |
The quality of materials and workmanship used in authorised repairs are guaranteed for the life of your vehicle, even if you no longer own it. This means that we will fix up any problems caused by faulty material or workmanship. |
| Windscreen/Window glass Option |
If you have comprehensive cover, you can pay extra to receive cover for your windscreen or window glass on your vehicle. If your windscreen is damaged as a result of an event you will not have to pay any excess for the first claim per insurance period. |
| Hire car after an event Option |
If you pay extra and have comprehensive cover, you can have the use of a 'small' category hire car for up to 14 days if your vehicle is damaged by an event. |
| No Claim Discount |
You could save up to 60% off your comprehensive insurance premium with a No Claim Discount. We will also give you a No Claim Discount if you have been driving a company vehicle and had no accidents or claims. |
| Tailor the premium you pay to suit you |
You can choose a higher basic/flexible excess to reduce the cost of your insurance, or a lower excess and pay less if you claim. Sometimes, a minimum excess applies. |
Types of Car Insurance
Comprehensive Car Insurance Policy
You are covered for loss of or damage to your vehicle caused by an event in the period of insurance. It includes loss or damage to your vehicle caused by another party, whether they are insured or not. It also includes the cover provided by our Third Party Property Damage Cover.
Optional Car Insurance Covers
Any options you choose and pay for will be shown on your certificate of insurance. The following 3 options are available if you have comprehensive cover for a car, 4WD, utility or van, up to 2 tonnes carrying capacity which was manufactured after 1975. It might also be available for some other vehicle types. Please ask us for details.
- Hire car after an event. We will arrange and pay the reasonable costs for a 'small' category hire for up to 14 days if your vehicle is damaged by an event. This cover stops before 14 days if we repair your vehicle and return it to you or we settle your claim. You are responsible for all running costs and extras of the hire car, including paying a deposit with the hire car company. If you withdraw your claim or we refuse to accept it, you might have to refund to us any payments for the hire car we have already made. You can also use this option in conjunction with the 'hire car after theft' feature if your vehicle is damaged after theft and repairs are not completed within 14 days from the time it was stolen.
- Protection of your No Claim Discount/Rating (NCD). Your NCD will not be reduced, even if you make a claim.
- Windscreen and window glass damage only cover. If only the windscreen or window glass in your vehicle is damaged as the result of an event, you will not have to pay any excess for that claim, even if an excess would otherwise apply. This cover is limited to one claim per insurance period. We can choose to repair or replace the damaged windscreen or window glass.
- Salvage Option. If you have comprehensive car insurance cover for a veteran or vintage vehicle, you can choose this option. If your vehicle is a total loss as the result of an event, you can keep your wrecked vehicle and still be paid the claim in full.
Fire, Theft and Third Party Property Damage/Extra Cover
You are covered for any accidental loss of or damage to your vehicle caused by fire or theft in the period of insurance. Fire, Theft and Third Party Property Damage/Extra Cover also includes Third Party Property Damage Cover.
Third Party Property Damage Cover
You are covered for the amounts you must legally pay another person to compensate for loss of or damage to their property if the loss or damage is caused by your vehicle as a result of an event in the period of insurance. Our cover is limited to $20 million (unless a lower limit is shown on your certificate of insurance). It includes legal and other costs that we have agreed to pay when you make a claim. The amount shown on your certificate of insurance is the most that we will pay under any cover, even if there are several claims against you relating to the event.
The cover includes:
- property damage that is the responsibility of your employer, principal or partner because you were driving your vehicle in connection with your occupation
- the cost of cleaning up by emergency services after an event involving your vehicle
- claims for damage to another vehicle or property because a vehicle collided with or tried to avoid colliding with:
- property falling from your vehicle or
- property being loaded or unloaded from your vehicle.
We do not cover damage to the actual property that falls or is being loaded or unloaded from your vehicle.
Important Information
*We have the right to alter the terms of cover for Rating 1 For Life or Rating 1 Protection including excess, premiums and acceptance of cover according to our
underwriting rules. Applies to cars, 4WDs, utilities and vans up to two tonnes carrying capacity which were manufactured after 1975 and have Comprehensive Cover.
Product Disclosure Statement
Motor Vehicle and Boat insurance are issued by Suncorp Metway Insurance Ltd ABN 83 075 695 966. Please read the relevant Product Disclosure Statement before you make any decisions regarding any of these products. Contact us for a copy.
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