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Understanding Our New Suncorp Home and Contents Insurance PDS

Introducing the new Suncorp Home and Contents Insurance Product Disclosure Statement (PDS) for policies renewing on or after 25 March 2021. The PDS is an important legal document that contains details of the product you purchase so you need to read it carefully.

The purpose of this page is to advise you of some changes that we have made to our Suncorp Home and Contents Insurance PDS.

We want you to know that we’ve changed the layout of the PDS to help make it easier to understand. We have also made other changes to the policy – we have updated some of the wording to make it clearer and we have added and changed some covers, conditions and exclusions.

Below are some of the sections in the PDS where we have made changes:

For full details, please refer to your PDS.

The information above is not a complete list of the changes to your Suncorp Home and Contents Insurance. For full details of what is and isn’t covered, please read the Suncorp Home and Contents Insurance Product Disclosure Statement (PDS). Consider the PDS before making a decision about this insurance.

Home, unit or contents that are not in good condition

Changes have been made to the exclusion ‘Home, unit or contents not being in good condition’ in order to improve transparency. An example in the general exclusion has been updated to ‘the roof leaks when it rains’ and a fresh example ‘the home or unit (including all sheds, outbuildings and any other structural improvements at the insured address) is not structurally sound or is unsafe to live in’ has been added.

New exclusion – When other people are living in the home or unit (tenants, paying guests, boarders)

We will not cover any loss, damage or liability caused by, connected with or arising from a tenant, paying guest or boarder. This change is relevant to you if you rent out a room in your house or unit. We also will not cover your legal liability for injury to or death of a tenant or paying guest who is staying short term, or for holiday purposes or as part of a house sharing arrangement (for example, Airbnb or Stayz guests).