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Car Insurance
Be prepared this season with a chance to win $25k cash, or one of 200 emergency starter kits.
Simply take out an eligible Suncorp Car Insurance policy for a chance to win.
Eligible QLD customers only. T&Cs apply.
Customer Rating
(5.0 out of 5)
(5.0 out of 5)
Compare our options below and choose the cover that’s suited to your needs.
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.
We’ll cover you for:
- Liability for loss or damage your car causes to other people's property
- Accidental loss or damage to your car
- Malicious damage or vandalism
- 2 year new for old car replacement1
- Hire car after theft
You can add optional extras depending on the level of cover that you choose, such as:
- Roadside Assist
- Lifetime new for old car replacement2
- Hire car after an event
- Windscreen and window glass damage
Different types of Car Insurance explained
Comprehensive Car Insurance is the jack-of-all-trades of car insurance that provides cover for a range of incidents – whether they’re your fault or not. Third Party Property Damage is a cheaper level of insurance that covers you for the damage your car causes to another person’s car or property, but doesn’t cover damage to your car. You can also upgrade to add cover for Fire and Theft to your Third Party Property Damage cover.
Add Suncorp Roadside Assist to a Comprehensive Car policy 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.
Awarded for our outstanding claims service
2016 - 2019
Frequently asked questions
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.
Fire, Theft & Third Party Property Damage cover includes fire and theft cover, third party property damage cover and a range of 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.
Please refer to the relevant PDS.
Custom paint, Nitro or hydrogen fuel, a petrol turbo or supercharger, or a roll bar, roll cage or racing harness are not covered by your Comprehensive Car Insurance policy.
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. An excess of $400 will apply (in addition to any other excess) if the learner is driving at the time of an 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 additional excesses, 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 either regularly or occasionally should be listed on the policy.
Looking for something else?
We also offer insurance for these vehicles:
More benefits for you
Minor scratch and dent car repairs
We’ve teamed up with Schmick to offer convenient repairs for a range of minor cosmetic dents, scratches and scruffs through their SELECT membership.
Get Everyday discounts with Suncorp Benefits
Enjoy Suncorp Benefits with your policy. Get up to 15% off your everyday items with great deals at over 100 retailers.
Make and track claims on your phone
You can easily make a claim within the Suncorp App and track it from the beginning to end. You can even book your car in to the repairer.
Insights and stories
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Showing 2 of 5 articles
Showing 1 of 5 articles
Looking for a second-hand car, but want a few tips along the way? Start your car hunting on the right foot - see how!
There’s nothing more annoying than minor damage to your car. In this video we look at a range of solutions that can provide a quick and cost effective repair to your vehicle.
The car dealership: home of the sharply-suited salesman trying to sell you a car before you can walk out the door. Is it really like this?
Learn how to negotiate a better price when buying a car - get your car for a better price so you have money left over in your budget.
Reviews are managed and sourced by BazaarVoice.
Reviews are independently verified and detail our customers' real experiences.
Car Insurance is rated
out of
5 by
973.
Rated 5 out of
5
by
BIG AL from
Great Service
Suncorp Insurance is a very Good Service and a very Great Service company and I would recommend anyone to give Suncorp Insurance a go
Date published: 2020-01-10
Rated 5 out of
5
by
Wiggles from
Easy to folow
Eaddy to follow process and god value for money...
Date published: 2019-12-31
Rated 5 out of
5
by
Jodie from
Easy to follow
The conversational manner of the application was brilliant, too often boring insurance companies don't use plain language.
Date published: 2019-10-31
Rated 5 out of
5
by
Melissa87 from
Great features n rates plus extra
Great value n easy to talk to someone n extra coverage you can get aswel
Date published: 2019-10-28
Rated 3 out of
5
by
Pleaselookafteryourcustom from
Poor website, poor rewards for loyalty
Every year I renew my car insurance as a new customer as the renewal price is always more expensive for existing customers-very poor. The process of getting a quote is tiresome as the dropdown boxes do not work very well, required multiple attempts to get them to change. Luckily the product is OK otherwise I would go elsewhere.
Date published: 2019-10-14
Rated 5 out of
5
by
Johnny73 from
Easy
Easy, user friendly. Rhesus monkeys could do it, now that's easy
Date published: 2019-10-10
Rated 1 out of
5
by
Anonymous from
Price misleading
The premium quoted by the online tool did not included any voluntary excess, however after payment made, there is any extra $200 excess in the certificate of insurance. I have taken photos to prove the online quote without voluntary excess. It is very misleading in terms of price. Please contact me when possible. I will ask for the difference to be refunded. Thank you
Date published: 2019-10-03
Rated 4 out of
5
by
JACCLS from
Easy As!
I have never bought insurance online before. Shopped around online as well and came back to Suncorp
Date published: 2019-09-29
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.
