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Car Insurance

Award winning service

Canstar 2016-2020 Car Insurance outstanding claims service award

We're an award winning car insurer. 5 years in a row

Our Car Insurance has won Canstar's annual Outstanding Claims Service Award from 2016 - 2020.

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 if we agree, replace your car if there has been a total loss? What about optional covers? We have a range of car insurance options, so you can find what suits your needs and budget.

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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 up to $20 million
  • Accidental loss or damage to your car up to the insured amount
  • 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 replacement with Comprehensive Advantages cover2
  • Hire car after an event
  • Windscreen and window glass damage
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Third Party Property Damage

$20 off when you quote and buy online

Cover for other people’s property

We’ll cover you for:

  • Legal liability for loss or damage your car causes to another person’s vehicle or property up to $20 million
  • Damage by uninsured drivers (up to $5,000)
  • Third party property damage caused by caravans and trailers towed by your car
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Third Party Fire & Theft Insurance

$20 off when you quote and buy online

Cover for other people’s property + Fire & Theft

We’ll cover you for:

  • Damage or loss from a fire or theft
  • A rental car for up to 21 days following a theft
  • Repairer needed due to fire or theft

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

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.

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

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 discount4 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

Insights and stories

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* If you have Fire, Theft & Third Party Property Damage Cover, this feature only applies when the incident is fire or theft.

1A 'write off' is when we decide that your car is uneconomical, impractical or unsafe to repair. We call this a 'total loss' in the PDS. If your car is stolen and unrecovered after 14 days or a write off, is less than 2 years old and you're the first registered owner, we'll cover the cost to replace it with a new one of the same or similar make and model. Eligible customers only.

2 You must be the first registered owner and your car must have continuously insured under Suncorp Comprehensive Advantages cover from within 13 months of purchase until the time of total loss. A replacement car of similar make and model must be available.

3We will use our provider and only provide a car that meets your needs but only if the provider has a car available and is within a reasonable distance of your location.

415% 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 PED 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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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)

Refer to the T&Cs.

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