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Build it Back Better™

An Australian first for Home Insurance

If your home is substantially damaged after an insured event, with Suncorp Home Insurance we’ll Build it Back Better, with extra recommended resilience options up to $5,000 - $10,000 (depending on your level of cover), designed to improve the home’s resilience to natural hazards, water damage, fire and theft. Conditions apply. Read the PDS for full details.

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 Peace of mind when you need it most. That's the Suncorp Spirit. We're responding to the challenges posed by COVID-19. Find out how.

Insurance that covers you when you need it most

For over 100 years, Suncorp Insurance has been providing everyday Australians with support and a helping hand when they need it most. Suncorp Insurance can help protect your valuable assets with a suite of home, contents and car insurance options. You can also access Suncorp branded income protection, life, travel, and health insurance to help support you and the things you value and rely on.

One House to Save Many

To help create more resilient communities, Suncorp collaborated with industry leading experts to design build and test one house that can withstand fire, flood, storms and cyclone.

Explore One House

CANSTAR Winner for Outstanding Claims 2016-2021 for Car Insurance

We're an award winning insurer. 6 years in a row.

Our Car Insurance has won Canstar's annual Outstanding Claims Service Award from 2016 - 2021.

badge - comprehensive car insurance

Comprehensive Car Insurance


Choose between Comprehensive, Comprehensive Extras and Comprehensive Advantages.

Market Value

Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.

Note, market value option is only available on Extras & Advantages level of cover.

We’ll cover you for:

  • Liability for loss or damage your car causes to other people's property up to $20 million
  • Accidental loss or damage to your car up to your amount covered or its market value, as shown on your certificate of insurance
  • Malicious damage or vandalism
  • 2 year new for old car replacement1
  • Hire car after theft for up to 21 days

You can add optional covers for an additional cost, depending on the level of cover that you choose, such as:

  • Roadside Assist^
  • Hire car after an event for unlimited days
  • Windscreen and window glass damage

Enjoy Suncorp Benefits with your policy

Save up to 15% with great deals at major retailers.

Discounts on everyday items

Save on groceries, fuel, entertainment, clothes and more

Savings on bigger purchases

Get great discounts on travel, furniture, electronics and exclusive offers

Instant access to rewards

Simply choose your reward on your phone and use it instantly. 

Find out more

We're here to help

Make a Claim

Need to claim? We're here to support you.

Contact Us

Let us answer any questions you might have.

We do not cover water damage caused by wear and tear or the gradual leaking of liquid, e.g. leaking shower bases. See PDS for more details.

We do not insure you for bushfire, storm, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

^ There is no cover for Suncorp Roadside Assist during the first 24 hours of adding the cover. Conditions and limits apply, including fuel value, towing distance and key assistance limits. Replacement battery cost is additional.

1 Your car becomes a total loss if it is uneconomical or unsafe to repair, including where the combined repair costs and salvage value are likely to be more than the amount covered by your policy. If your car is a total loss (which includes where your car is stolen and unrecovered after 14 days and we accept your claim for theft), and is less than 2 years old and you're the first registered owner, we'll replace your car with a new one of the same or similar make and model. Eligible customers only.

2 We’ll cover the reasonable cost of a hire car using our provider, if they have one available within a reasonable distance of your location. If they don’t, we’ll pay you the reasonable cost to hire a car that meets your transport needs, or the cost you incur in making alternative travel arrangements.

3 15% Multi Policy Discount: Combine 3 or more eligible products with us and you could qualify for a 15% Multi-Policy Discount. Eligible policies are Suncorp Home, Contents, Landlord, Car, Motorcycle, Caravan (including trailer), Motorhome and Boat. Suncorp QLD CTP Insurance counts as an eligible policy, but it cannot be discounted due to government regulations. Refer to the relevant motor or home Additional Information Guide for more details. Discounts do not apply to Suncorp Roadside Assist, Suncorp Insurance Home Assist and Excess-free Glass optional covers. View full terms and conditions.

#Terms and conditions: Offers available only for the purchase of a new eligible policy of insurance issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as Suncorp Insurance. Discount will be applied upon purchase of the new eligible policy of insurance and subtracted from the price of the premium.

If you’re eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding taxes and charges). Minimum premiums may apply.

Before buying any of the eligible insurance products issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as Suncorp Insurance, read the relevant PDS and consider whether it is right for you. Call us on 13 11 55 to get a copy or visit

Free Safety Net Protection

Quote and purchase online from 16 Oct 2020 - 28 April 2021. Not available with any other offers. Free for first period of insurance. T&C's apply

Market Value

Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.

Note, market value option is only available on Extras & Advantages level of cover.

First eligible policy

If you first purchase or have an existing Suncorp Car, Suncorp QLD CTP, Suncorp Motorcycle or Suncorp Home and/or Contents insurance policy, you will be eligible for this campaign. Refer to the T&Cs.

Second new eligible Policy purchased

  • If you first purchase or have an existing Suncorp Car or Motorcycle policy, you can get 20% off new Suncorp home insurance.  (‘New Suncorp home insurance’ excludes landlord and strata insurance)
  • If you first purchase or have an existing Suncorp Home or QLD CTP policy, you can get 20% off new Suncorp car insurance.  (‘New Suncorp car insurance’ excludes QLD CTP and Suncorp Roadside Assist)

Refer to the T&Cs.

Substantially Damaged

When your home is substantially damaged by an insured event (meaning the cost for us to repair is at least $50,000 or 10% of your home sum insured, whichever is more). Please Refer to PDS for Full Details.