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Comprehensive Car Insurance

Be prepared this season with a chance to win $25k cash, or one of 200 emergency starter kits.

Simply take out an eligible Suncorp Car Insurance policy for a chance to win.
Eligible QLD customers only. T&Cs apply.

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?


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:


Optional covers

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

Get a quote

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%

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.

Awarded for our outstanding claims service

2016 - 2019

More benefits for you

Frequently asked questions

Looking for something else?

We also offer insurance for these vehicles:


 Caravan & Trailer



Insights and stories

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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 safelty 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.