Frequently asked questions about Car Insurance

Updating your credit card details can be done online through Suncorp Internet Banking.

To pay an excess or to renew your policy, all you need to do is log into your My Suncorp app on your mobile or visit https://www.suncorp.com.au/my-suncorp.html and follow the prompts. 

If you have missed a monthly instalment payment, you easily can make a one off payment via your My Suncorp account to catch up.

Suncorp will issue you with documents when you have purchased your policy. You will receive this via email within a day or 3-5 business days by post depending on the delivery method you have opted for. Alternatively, you can log into My Suncorp and download documents.

Each time you renew your insurance, your premium is likely to change, even if your personal circumstances haven’t. This is because the premium you pay can also be affected by other factors.

To make a claim, you will need your Suncorp policy number, details of the event, and the information of other people or vehicles involved.

If you receive any letters of demand, or are contacted verbally, contact us as soon as possible to update us.

Yes, under the GST Act, you must tell us what your entitlement to ITC was for your insurance premium.

Yes, because Suncorp can reduce the net cost of your claim by applying any Input Tax Credits (ITC) you are or might be eligible for.

If you purchase one of our 3 levels of Comprehensive Car Insurance, Suncorp Roadside Assist is available as optional cover.

Accessories and modifications fitted to your car are included in your policy, up to the amount covered for your car. 

We do not insure:

• custom paint
• Nitro or hydrogen fuel
• petrol turbo and supercharger,
• or, roll bar, cage and racing harness. 

Please refer to the PDS for more information.

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. A standard excess and other applicable excesses apply if the learner is driving at the time of the 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 an additional excess, 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, it may be, however if your son or daughter has their own car it should be insured in their own name.

If you need to cancel your policy or discuss your insurance options, please call us on 13 11 55, 8am-10pm AEST, 7 days a week. If you do end up cancelling your policy, you may qualify for a refund of the unexpired portion of the premium less any non-refundable government charges (if applicable).

If you pay by instalments, on cancellation you agree to pay us any portion of the premium that is owing but not yet paid, and that amount is due and payable.

An excess is the amount you pay towards the cost of a claim for each incident covered by your policy. The total excess you're required to pay can depend on the circumstances of your claim. You might have to pay more than one type of excess when you claim. Excess types and amounts are shown on your certificate of insurance.

You can find out more information about this in the applicable Product Disclosure Statement (PDS) and Car Insurance Additional Information Guide.

A Hire Car may be available depending on the level of cover you have and the type of claim you make.

The Hire Car chosen will depend on the type of claim you make and your level of cover.

If you have an accident and are not the at fault driver, under your policy you’ll be eligible for a Hire Car for up to 21 days. This applies to Comprehensive, Fire, Theft & Third Party Property Damage and Third Party Property Damage Cover.

Suncorp does not offer cover notes on our Car Insurance policies, but your new policy may be subject to a 21-day cooling off period.

You can change the parking address on your car insurance quickly and easily online.

Simply log in to My Suncorp account, select your policy from the list of policies available then select the ‘Update policy’ option. Choose ‘Parking address’ under the ‘Update my policy’ heading to update details.

If your policy is due for renewal, the process is a little different. After you log into My Suncorp account, select your policy up for renewal and then choose the ‘Renew Now’ option. Select ‘update and pay’ and you’ll see an option to update your ‘Parking address’ under the ‘Your Policy details’ heading.

View a video explanation of how to update your policy details online.

You can add or remove the listed drivers on your policy at any time through your My Suncorp account. Simply log in to your My Suncorp account, select your policy from the list of policies available then choose the ‘Update policy’ option. Select ‘Listed Drivers’ under the ‘Update my policy’ heading to update details.

If your policy is due for renewal, you can still update your details through My Suncorp account. Once logged in, select your policy up for renewal and then choose the ‘Renew Now’ option. Select ‘update and pay’. From there, update ‘Listed Drivers’ under the ‘Listed Drivers’ heading.

View a video explanation of how to update your policy details online.

Yes, we provide cover for cars used for ride-sharing. The definition of ride-sharing is when the owner of the car, or a driver listed on the policy, drives the car to provide trips or journeys for passengers for a fee. The arrangement can be made via a website, app or other means.

Taxis, hire cars or cars used in car sharing schemes are not treated as ride-sharing.