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The risk of severe tropical cyclones and storms contributes to the cost of home insurance in northern Australia. Suncorp Insurance believes one of the ways to make insurance more affordable for our customers in these regions is to lower the amount of potential damage to homes through mitigation against cyclones. 

We have worked collaboratively with James Cook University’s Cyclone Testing Station to understand the impact of cyclones on homes. This research has identified the main points of a home’s vulnerability to cyclones, and suggested methods to strengthen these weak points. As a result of these insights Suncorp Insurance has developed questions designed to identify what features your home may have that might increase its resilience to cyclones.

The answers to these questions can result in a reduction to your Suncorp Insurance premium, which we call our Cyclone Resilience Benefit. The amount of the reduction is determined by your home’s features and mitigation measures, and is compared to what you would have otherwise paid for the same Suncorp product without those features or measures. These features and measures relate to many different aspects of your home including your roof, windows, doors, shed, as well as cyclone preparation in general. Please see further down the page for more information on these questions and the features we may recognise.

This benefit is available for customers that hold a Suncorp Home or Landlord Insurance policy, whose properties are north of the Tropic of Capricorn and within 100km from the coast line.

If your property is in an eligible location, these questions will appear for you to answer when you are completing an online quote. You can also call us on 13 11 55 to check eligibility and if required update an existing policy or get a new quote. For existing customers you can also answer the resilience questions, if eligible, via My Insurance Manager.

The Suncorp Insurance Cyclone Resilience Benefit is a key part of our Protecting the North program and honours our commitment to help make insurance more accessible in northern Australia.  

There are further conditions which apply to the Cyclone Resilience Benefit. Please ensure that you read this Important Information.

What can you do to your home to become more cyclone resilient?