Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

Comprehensive Car Insurance

Limited Offer

Free Suncorp Roadside Assist for a year

+ $50 off when you buy online

Simply take out a Comprehensive Car Insurance policy.

Not available in conjunction with other offers. T&C’s apply.

Offer ends 5 August 2021
Caltex Australia Logo

Drive a lot? Unlock savings on your fuel

With Suncorp Car Insurance, you can access discounted eGift cards to save 5% on fuel from Caltex with Suncorp Benefits. Simply register online by downloading the Suncorp app or log in online.

Our Comprehensive Car Insurance options all come with the added peace of mind of our 24/7 online claims service, flexible payment options and a lifetime guarantee on repairs that we authorise and arrange.

icon - motor car

What am I covered for?

 

Accidental loss or damage to your car from events such as flood, collision and impact

Accidental loss or damage to another person's vehicle or property (up to $20 million)

Malicious damage or vandalism to your car

Hire car after theft for up to 21 days

Also covered:

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

 

Lifetime repair guarantee

For repairs we authorise, the quality of the materials and workmanship are guaranteed for the life of the car.

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 covered by your policy.

Please note: A hire car cannot be used by learner drivers. 

Terms, exclusions and conditions apply. See the PDS for full details. 

Trailer cover

Up to $1,000 for any one incident to cover accidental loss or damage to your trailer when it’s attached to your car or runs out of control after separating from your car while your car is moving.

Tools of trade cover

When your car is damaged in an incident covered by your policy, which is not theft or attempted theft, we will cover your tools of trade for loss or damage in the same incident. When your car is stolen and we have accepted your claim, we will cover your tools of trade for theft but only if the tools are locked in your car or in a locked tool box that is fitted to your car. Limit is up to a total of $1,500 per claim.

Baby capsules and child seats

We cover the costs of replacing your baby capsules and/or child seats stolen or damaged in an incident up to $750 per item.

 

Optional covers

Suncorp Roadside Assist

Whether it's a flat tyre or a breakdown, if you can't get started, we're here to help.

Available as an optional cover with our 3 levels of Comprehensive cover, Suncorp Roadside Assist gives you confidence when you're on the road.

  • 24/7 support, regardless of who's driving
  • Unlimited service call-outs across Australia (terms & conditions apply)
  • All for a low annual cost, with no extra joining fee.

Disclaimer: There is no cover for Suncorp Roadside Assist during the first 24 hours of adding the cover.

Hire car after an event (incident)

Windscreen and window glass cover

When the only damage to your car is the windscreen or window glass (including sun roof), we’ll cover the reasonable cost to repair or replace it, without you having to pay an excess for the first claim, if the incident happened during the period of insurance.

Where a chipped windscreen, that has not cracked, can be safely repaired, we'll also cover the cost of one repair without you losing your one excess free claim in the period of insurance.

Lifetime new for old car replacement

If your car is stolen or damaged in an insured incident and your claim is accepted as a total loss, we’ll replace it with a brand new car of the same make and model (or similar make and model if the same isn’t available), or pay you the cost to replace your car with a new one, no matter how old it gets. This is provided you’re the first registered owner of the car and it’s been insured continuously under our Comprehensive Advantages cover from within 13 months of it first being purchased.

If your car is financed, we’ll need written consent provided to us by the financier before replacing your car.

See the PDS for full details.

Need more details? Compare our 3 levels of cover here.

Product Disclosure Statement

This is just a summary, for full details of what is and isn't covered please refer to the Product Disclosure Statement (PDS)You may also like our Car Insurance Additional Information Guide.

Add Suncorp Roadside Assist^ from less than $95 per year with no joining fee.

Ways to save on your premium

 

Claims Free Driver Rewards

Claims Free Driver Rewards recognises your years of good driving experience with us.

1 year

2-3 years

4-8 years

9-13 years

14+ years

Save 2.5%

Save 5%

Save 7.5%

Save 10%

Save 15%

Canstar 2016-2020 Car Insurance outstanding claims service award

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

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

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

Frequently asked questions

Insights and stories

Showing 3 of 6 articles Showing 2 of 6 articles Showing 1 of 6 articles

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. 

#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.

Lifetime repair guarantee

For repairs we authorise, the quality of the materials and workmanship are guaranteed for the life of the car.

Trailer cover

Up to $1,000 for any one incident to cover accidental loss or damage to your trailer when it’s attached to your car or runs out of control after separating from your car while your car is moving.

Baby capsules and child seats

We cover the costs of replacing your baby capsules and/or child seats stolen or damaged in an incident up to $750 per item.

Tools of trade cover

When your car is damaged in an incident covered by your policy, which is not theft or attempted theft, we will cover your tools of trade for loss or damage in the same incident. When your car is stolen and we have accepted your claim, we will cover your tools of trade for theft but only if the tools are locked in your car or in a locked tool box that is fitted to your car. Limit is up to a total of $1,500 per claim.

Hire car after a not at fault incident

If you’ve had an incident that’s not your fault, we’ll arrange and pay for you to have a hire car while your car is being repaired. Disclaimer: Conditions apply. Name, address and registration number of the person at fault must be supplied. For more information read the PDS. Please note: A hire car cannot be used by learner drivers. Terms and conditions apply, see the PDS for full details.

Lifetime new for old car replacement

If your car is stolen or damaged in an insured incident and your claim is accepted as a total loss, we’ll replace it with a brand new car of the same make and model (or similar make and model if the same isn’t available), or pay you the cost to replace your car with a new one, no matter how old it gets. This is provided you’re the first registered owner of the car and it’s been insured continuously under our Comprehensive Advantages cover from within 13 months of it first being purchased.

If your car is financed, we’ll need written consent provided to us by the financier before replacing your car.

See the PDS for full details.

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

Windscreen and window glass cover

When the only damage to your car is the windscreen or window glass (including sun roof), we’ll cover the reasonable cost to repair or replace it, without you having to pay an excess for the first claim, if the incident happened during the period of insurance.

Where a chipped windscreen, that has not cracked, can be safely repaired, we'll also cover the cost of one repair without you losing your one excess free claim in the period of insurance.

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 covered by your policy.

Please note: A hire car cannot be used by learner drivers. 

Terms, exclusions and conditions apply. See the PDS for full details. 

Suncorp Roadside Assist

Whether it's a flat tyre or a breakdown, if you can't get started, we're here to help.

Available as an optional cover with our 3 levels of Comprehensive cover, Suncorp Roadside Assist gives you confidence when you're on the road.

  • 24/7 support, regardless of who's driving
  • Unlimited service call-outs across Australia (terms & conditions apply)
  • All for a low annual cost, with no extra joining fee.

Disclaimer: There is no cover for Suncorp Roadside Assist during the first 24 hours of adding the cover.

Live chat

Chat to us online now