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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.
What am I covered for?
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
- 2 year new for old replacement following a write off or theft
- After claim expenses
Lifetime repair guarantee
For repairs we authorise, the quality of the materials and workmanship are guaranteed for the life of your car, even if you no longer own it.
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.
Two-wheel trailer cover
Up to $1,000 to cover accidental loss or damage to your two-wheel trailer when it’s attached to your car.
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
Need more details? Compare our 3 levels of cover here.
Add Suncorp Roadside Assist from less than $95 per year with no joining fee.
Ways to save on your premium
Online discount
When you buy your policy online, get $50 off for Comprehensive Car Insurance.
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 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% |
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.
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.
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
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.
Insights and stories
Showing 3 of 6 articles
Showing 2 of 6 articles
Showing 1 of 6 articles
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!
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.
Wondering what new for old car replacement is, and how it could work for you? We unpack it all here – Read more.
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.
Lifetime repair guarantee
For repairs we authorise, the quality of the materials and workmanship are guaranteed for the life of your car, even if you no longer own it.
Two-wheel trailer cover
Up to $1,000 to cover accidental loss or damage to your two-wheel trailer when it’s attached to your car.
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 incident and we decide your car is 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 what it would have cost us to replace your car, no matter how old it gets, 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. 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, we’ll cover the cost to repair or replace it without you having to pay an excess for the first claim in the period of insurance. Where a chipped windscreen, that has not cracked, can be safely repaired, we will also cover the cost of one repair without you losing your one excess free claim.
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.
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.
