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.
Cover for your car and other people’s property
Comprehensive Car Insurance
Get $50 off
First Year Online Discount*
Choose between Comprehensive, Comprehensive Extras and Comprehensive Advantages.
Market Value
You can choose to insure your car for its market value if you select the market value optional cover rather than a specified amount. This is a variable amount based on our assessment of how much the market would pay for your car at the time of the incident. We may use recognised industry publications to assist us in calculating the amount. Except for the terms of this optional cover, the cover provided by your policy otherwise remains the same.
See the PDS for more details.
Note: if you select this optional cover, it cannot be removed from the policy during the period of insurance. Market value option is only available for Comprehensive and Comprehensive Extras 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 covers2 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
Our Different types of Car Insurance explained:
Comprehensive Car Insurance: Offers cover for accidental loss or damage to your car caused by an incident during the period of insurance. Examples of incidents include, hail, storm (including cyclone), fire, theft and collision. We also OFFER cover FOR your legal liability to pay compensation for loss or damage to other people’s property from the use of your car. Limits, conditions and exclusions apply. Read the PDS for details.
Fire, Theft & Third Party Property Damage: Offers cover for accidental loss or damage to your car during the period of insurance caused by fire and theft. We also offer cover for your legal liability to pay compensation for loss or damage to other people’s property arising from the use of your car. Limits, conditions and exclusions apply. Read the PDS for details.
Third Party Property Damage cover: Offers Cover for your legal liability to pay compensation for loss or damage to other people’s property arising from the use of your car. Limits, conditions and exclusions apply. Read the PDS for details.
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 on your first year when you buy 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
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 (such as an age excess or inexperienced driver excess) 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.
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
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Here are some important things to review when renewing your car insurance. Read on to find out if your policy is up to date.
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!
* Any subsequent discounts are applied to the already discounted premium, before government taxes and charges.
^ 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 bought the car as a new or an ex-demo model from a licensed motor dealer, we'll replace your car with a new one of the same or similar make and model.
2Optional cover benefits are subject to the terms, conditions, limits, and exclusions of the insurance policy. You can’t add optional covers after an incident and have damage or loss covered for that same incident. Optional covers must be added to your policy before the incident you’re claiming for. Please refer to the PDS for more information.
3We’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.
4To 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 insurance. Suncorp QLD CTP Insurance counts as an eligible policy, but it cannot be discounted due to government regulations. Discounts do not apply to Suncorp Roadside Assist, Suncorp Insurance Home Assist and Excess-free Glass optional covers. Taxes and charges are not discounted. View full terms and conditions.
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You bought it new
We also provide this benefit if it was your spouse, partner, de facto, parent, grandparent, child, grandchild, brother, sister or the company of which you are a director who bought your car new, or as an ex demo model from a licensed dealer.
Market Value
You can choose to insure your car for its market value if you select the market value optional cover rather than a specified amount. This is a variable amount based on our assessment of how much the market would pay for your car at the time of the incident. We may use recognised industry publications to assist us in calculating the amount. Except for the terms of this optional cover, the cover provided by your policy otherwise remains the same.
See the PDS for more details.
Note: if you select this optional cover, it cannot be removed from the policy during the period of insurance. Market value option is only available for Comprehensive and Comprehensive Extras 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 telecommunication 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 assessed quote to repair or rebuild is at least $50,000 or 10% of your home sum insured, whichever is more). Please refer to PDS for full Details.
