Frequently asked questions about Home & Contents Insurance
You can renew your policy online by logging into My Suncorp (via desktop or mobile) or going into your bank and paying with BPAY.
You can adjust your standard home excess form between $0 and $5000, and the excess amount you choose will affect your premium – for example, if you choose a higher excess, your premium will be lower. The excesses that could apply to you are shown on your most recent certificate of insurance.
A home claim assessment determines the outcome of your claim after loss or damage to your home and/or contents. Once you’ve lodged your claim, we’ll organise for an assessor to contact you to arrange a time to attend your property and inspect the damages or loss.
We’ll settle your claim using our network of repairers and suppliers to ensure you’re put back in the position you were prior to the loss or damage that occurred.
We utilise experienced, qualified builders that are part of our supplier network. We offer a lifetime guarantee on home repairs, which means the quality of workmanship of the repairs we authorise to your home are guaranteed for the lifetime of your home.
Alternatively, you can be paid the amount of the assessed quote and manage the repairs to your home yourself, but the lifetime guarantee will not apply.
To learn more, refer to the PDS.
It’s important we validate the loss or damage that has occurred in order to take the necessary steps to repair or replace the contents item/s. Proof of loss or damage can be given by providing photos of damage, details of a police report (for theft), or proof of ownership documents (receipts, manuals etc.).
Yes, you have the option to choose a cash settlement for your claim, subject to the terms of your policy and policy limits. Where this is the case, the cash settlement amount will be based on the assessed quote, less any applicable deductions.
To cancel other policy types please give us a call on 13 11 55.
To avoid being underinsured, your home and contents sum insured should reflect what it would cost to rebuild your house or replace your contents at today’s prices.
After the numerous flooding events throughout the country in recent years, it is important that we provide our customers with flood cover even if it is unlikely a flood will occur at their address.
Yes, your home is covered if it is unoccupied, however an additional excess applies to any claim made during this time if the home has been unoccupied for more than 60 consecutive days.
Yes, you’re covered for contents in transit and storage within Australia. This is an additional cover that comes with your policy at no extra cost.
You can get Suncorp Home and Contents insurance for your relocatable home if the home is:
- Owned and occupied by you and;
- Approved by council or the relevant qualified authority and;
- Connected to mains electricity, sewerage and water and;
- On permanent foundations and;
- Is not located in a caravan park, holiday park or holiday village or similar and;
- Is not owned by a caravan park, holiday park or holiday village or similar
If your home does not meet that criteria you won’t be able to get Suncorp Home Building insurance, but you can still insure your contents provided the home is on permanent foundations.
If your building is insured with us, we can arrange for one of our builders to attend the property and temporarily make it safe to prevent any further loss/damage.
If you must do immediate repairs to make the property safe before our has attended, ensure that you take clear photos/videos of all damage including the source of damage (for instance, a hose or pipe that has burst) and provide these to our builder/assessor. Do not dispose of any items, unless they pose a health risk, prior to our builder/assessor attending. If any items must be disposed, ensure multiple clear photos are taken of said items prior to disposal.
If you find more damage or discover something else has been stolen, please make a note, take photos and let us know the next time we’re in touch. There’s no need to immediately reach out – we’ll work with you to include all details in your claim.