Understanding Our New Suncorp Motorhome Insurance PDS

Extra Support

Sometimes your circumstances might mean you need additional support or assistance in dealing with us. If you are comfortable, you can tell us about your situation, and we will work with you to arrange support.

Your responsibilities

We have changed the responsibility for you to take ‘all reasonable precautions’ to prevent damage or theft with the responsibility to ‘take steps to prevent loss or damage’. Some examples of this are to move your motorhome away from rising flood waters or do not drive into water.

When you need to contact us

There are additional situations when you must contact Suncorp. Examples include:

• you or a person who is likely to drive your motorhome has had their driver licence cancelled, suspended, disqualified or restricted;
• you or a person who is likely to drive your motorhome has been charged with or convicted of a criminal act or offence;
• you have had another insurer cancel or decline a policy, impose specific conditions on a policy or refuse a claim.

Excesses that apply to your claim

We have removed the requirement for you to pay your excess in full before a claim is paid.

General Exclusions are now called ‘Things we don’t cover’.

Things we don’t cover include some new and updated exclusions such as:

• Extra costs or other losses following an incident covered by your policy
• Alcohol, drugs, medication
• Confiscation or repossession
• Communicable diseases
• Sale of your motorhome or contents
• Towing a damaged trailer
• Unrelated damage

We have removed the term ‘Additional features’ and have combined all additional cover under ‘Additional cover that comes with your policy’.

Temporary accommodation

In addition to your temporary accommodation costs, we also cover up to $300 in total to accommodate any domestic pet travelling with you.

How we settle your claim

We’ve made changes to how we settle your claim.

Refer to this section of the PDS for more details.

If we don’t authorise repairs

We now pay you the amount of the assessed quote from our preferred repairer, if you have requested a cash settlement and our preferred repairer is able to complete the repair or replace the damaged parts of your motorhome. 

Unavailable parts

We have removed the section ‘Obsolete parts’ from the PDS and replaced this with ‘Unavailable parts’. Where a damaged part is no longer available, we will pay you the last known market price of that part.

Contribution to repairs

We have clarified when we may ask you to contribute to the cost of repairs where we are unable to safely carry out insured repairs due to pre-existing damage to your motorhome. Examples of this include neglect, wear and tear, weathering, rust, mould, mildew or corrosion.

If you do not want to pay these amounts, we will pay you the assessed amount for the repairs directly related to the accepted claim.

Our right to recover from those who are responsible

We have added examples of the assistance that may be required from you if we take action against a party for the recovery of your loss.

Joint policyholders

During the period of insurance, we might ask all joint policyholders first before we action a request or direction in relation to your policy (e.g. before we cancel your policy, reduce your cover or remove another policyholder). This way we can help protect the interests of all policyholders.

New section - Conduct of others

When we consider a claim, we will have regard to any prejudice suffered by you due to the conduct of others and we may meet the claim when we are not legally required to do so.

Removed - Cancellation fee

If you decide to cancel your policy, you will no longer be charged a cancellation fee.