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Car Insurance
Just need basic cover that’ll help you with repair bills for damage you might be liable for? Or maybe cover that’ll also help you repair your car after an incident, or replace your car if there has been a total loss1? What about optional covers? We have a range of car insurance options, so you can find what suits your needs and budget.
Comprehensive Car Insurance
$50 off when you quote and buy online
Cover for your car and other people’s property
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
Different types of Car Insurance explained
Comprehensive Car Insurance provides cover for your own car as well as damage to other vehicles and property for which you might be liable. Third Party Property Damage is usually cheaper, and covers you for damage your car causes to other people’s car or property, but not your own. You can, though, add cover for fire and theft damage to your own car on top of your Third Party Property Damage cover.
Add Suncorp Roadside Assist^ from less than $95 per year with no joining fee.
Ways to save on Car Insurance
Online discount
Get a discount when you quote and buy your policy online.
Vary your excess
If you increase your standard excess, you can save on your premium.
Multi policy discount#
Combine any 3 or more eligible policies and get a 15% multi policy discount.
Claims process
If you need to make a claim on your Comprehensive Car Insurance, rest assured we will help you with our local expertise every step of the way.
1. Have your details ready
We’ll need your policy number and details of the event.
2. Lodge a claim 24/7
Repairs may be booked in instantly. If we need more information we’ll contact you within 2 business days.
3. Assessment
We will assist you in arranging the best assessment and repair process for your vehicle.
4. Track your claim
Track the progress of your claim online at any time.
5. Finalise your claim
We’ll let you know once your car is ready to be collect or organise a payout if possible.
Why choose Suncorp Car Insurance?
- Get a quick online quote in just minutes
- Online discounts, like $20 off Third Party Car Insurance and $50 off Comprehensive Car Insurance for the first year’s premium, for new customers who apply and buy insurance online.
- Low kilometre savings for customers who drive their car less
- 15% multi-policy discount# when you combine any 3 or more eligible policies for a discount
- Award winning claims service
- 24/7 assistance over the phone or online
- Trusted insurer of over 500,000 Australians
- Claims Free Driver Rewards for every consecutive year you don’t make an excess payable claim.
Frequently asked questions
Generally, Australian drivers have two types of car insurance. One is some form of Compulsory Third Party (CTP) Insurance, which covers costs related to injuries caused in motor vehicle accidents. In some states, CTP is bundled into car registration, in others, it needs to be purchased separately before a car can be registered. You’ll be able to find more details via your state’s traffic authority website.
The second type of insurance is some form of coverage for damage to other vehicles, other people’s property and maybe even your own vehicle. There are many types and levels of cover available, including a few optional covers that may be available with these types of car insurance for an additional cost, but generally they fall into two categories:
- Comprehensive car insurance, which covers damage to your own car as well as damage to other people’s vehicles and property.
- Third party property damage, which covers damage to other people’s vehicles and property if you’re liable for it, but usually won’t cover damage to your own car.
In every Australian state and territory, you’re required to have Compulsory Third Party (CTP) Insurance before you can register your car, and an unregistered car can’t be legally driven on public roads.
However, Aussie drivers are not legally obligated to have any other form of car insurance. Since CTP Insurance only covers injury costs, relying on that as their only form of car insurance can leave drivers exposed in the event of an accident and in some cases, result in huge repair bills for damage to their own car, and maybe even cars and property.
Suncorp Car Insurance is designed to provide you with flexibility to tailor your car cover to best suit your current and changing needs. There are five levels of cover you can choose from:
Comprehensive cover includes accidental loss or damage cover, third party property damage cover and a range of additional features at no extra cost.
Comprehensive Extras includes all the cover of Comprehensive as well as having a range of different optional covers that you can choose for an extra premium (such as windscreen and window glass cover and cover for a hire car after an event).
Comprehensive Advantages is our top level of cover and provides all the cover of Comprehensive with your optional covers being automatically included, some requiring eligibility criteria.
Fire, Theft & Third Party Property Damage cover includes fire and theft cover, third party property damage cover and some additional features at no extra cost.
Third Party Property Damage cover covers legal liability to other people’s property and a range of additional features at no extra cost.
Like all insurances, conditions, limits and exclusions apply. Please refer to the relevant PDS for more details.
Accessories and modifications fitted to your car are included in your policy. If you choose to insure for an amount covered, consider whether the amount you specify to cover your car for is enough to also include the value of the insured accessories and modifications. With Comprehensive and Comprehensive Extras, you can choose the market value* optional cover, and providing we agree to this option, the accessories and modifications will be considered as part of the car when determining the market value of your car at claim time.
We do not insure:
- custom paint
- Nitro or hydrogen fuel
- petrol turbo and supercharger,
- or, roll bar, cage and racing harness.
Please refer to the PDS for more information.
*Market value option is available to new policies purchased on or after 5th August 2021 or renewing policies on or after 8th September 2021.
Any person that you know will drive your car repeatedly should be listed as a driver on your policy.
The exception to this are learner drivers who do not need to be listed on the policy until they get their licence. They will still be covered while driving the car while on their learners and the relevant parts of the PDS will apply to any claim. A standard excess and other applicable excesses apply if the learner is driving at the time of the incident.
It is always better to list any person on your policy who will drive your car, as if you don’t, it may result in an additional excess, a reduction or refusal of a claim. Please note: Learner drivers are not covered to drive a Hire Car obtained under your insurance policy. We also do not cover any driver under the age of 25 while driving a High-Performance vehicle.
Please refer to the PDS for more information.
Yes, any person that you know will be driving your car either regularly or occasionally should be listed on the policy.
If you’re using your car less because you’re self-isolating, you can make changes to your policy that may reduce your premium. This includes increasing your standard excess or changing the average kilometres driven on your policy.
If you’d like to update your policy, you can do so easily via your My Suncorp Account. This step-by-step-guide explains how to do so. Otherwise, please call 13 11 55 to get in touch.
Each of Suncorp's insurance products utilise a five-stage product lifecycle (Design, Delivery, Review, Enhance/Modify and Decommission). This approach allows us to put you, the customer, at the centre of our product development and distribution.
Insights and stories
Showing 3 of 6 articles
Showing 2 of 6 articles
Showing 1 of 6 articles
When it comes time to complete your car insurance renewal, find out why you should check your amount covered.
Getting into a car accident when you’re not at fault shouldn’t be stressful. Luckily, there are ways to deal with drivers who are uninsured - Read more.
You’ve been involved in a minor accident. Now what? Here’s how to get through the process and make a claim to get your car back on the road as quickly as possible.
What can you do if you’re involved in an accident and don’t have car insurance? Explore your options as an uninsured driver.
The art of haggling may be daunting at first, but it’s not that hard to do. Learn how to settle on a better price for your car and even get a good deal on extras, too!
This content applies to policies with a start or renewal date on or after 25 March 2021.
^ 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.
1Your 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.
3 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.
4 To qualify for this additional cover, you will need to show that the driver of your car didn't contribute to the accident, for example by providing a police report, and you must also provide us with the name and address of the person at fault, and the registration number of the at-fault vehicle.
#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.
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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.
Driver Protection Cover
Driver Protection Cover includes up to $1 million in benefits for specific serious injuries to eligible at-fault drivers. It also includes access to a lump sum payment of $5,000 which may help pay for upfront costs like medical and rehabilitation expenses.
After claim expenses
If your car's stolen or damaged in an incident we will pay up to a total of $1000 towards:
- emergency travel and accommodation if your car's not safe to drive and you're more than 100klm away from home
- emergency repairs to make your car roadworthy or safe so that you can get to your destination or to a repairer
- replacing your personal property such as clothing or electronic and telecommunicaiton devices lost or damaged at the time of the incident.
Note: you need to provide us with all invoices and receipts
Hire car after theft for up to 21 days
We'll cover the reasonable cost of a hire car that meets your needs for up to 21 days following theft, or attempted theft following any approved claim. Conditions apply.
Please note: A hire car cannot be used by learner drivers. Terms and conditions apply, see the PDS for full details
Uninsured Drivers
This applies when your car is damaged in a collision with another vehicle driven by an uninsured driver, but only if we agree that you are not at fault, and you give us the name and address of the uninsured driver or their vehicle's registration details.
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)
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.
