Award winning service
We're an award winning car insurer. 5 years in a row
$50 off when you quote and buy online
Cover for your car and other people’s property
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.
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.
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.
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.
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
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.
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.
Insights and stories
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
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)