Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

MY CAR

What voids car insurance?


Like all insurance types, car insurance comes with certain conditions that must be met in order to maintain your cover. If you don’t hold up your end of the deal, you could see a potential claim rejected. There are a few common mistakes people make which can void their car insurance, but luckily, it’s pretty easy to avoid them!

Not paying your premium

This one might seem like a no-brainer, but it’s more common than you think. If you don’t pay your car insurance premiums on time, a claim could be refused and/or your policy could be cancelled. Nobody enjoys paying bills, but if you put paying your car insurance premium at the bottom of your to-do list it could cost you in the long run if you miss the payments!

With the Suncorp App you can quickly and easily see when your premiums are due. You can even pay them online so you always know you’re covered.

Learn more about the Suncorp App

Unlicensed drivers

Not having a valid licence is another way people can void their car insurance. If you fail to renew your licence, or are behind the wheel of a vehicle you’re not licensed to drive, don’t expect to be covered for any incidents that may occur.

Driving under the influence of drugs or alcohol

If you get behind the wheel with a blood alcohol concentration (BAC) level over the legal limit, or while under the influence of drugs, your car insurance will be invalid. And remember, the legal BAC limits differ depending on what type of licence you hold, so make sure you know what limit applies to you.

It’s not only illegal substances you need to be careful of. Some medications can cause side effects like dizziness, aggression, drowsiness and light-headedness, which will affect your ability to drive. Check with your doctor if you’re not sure whether you can drive after taking them.

Reckless driving

If you or someone you’ve allowed to drive your car drives recklessly, your car insurance claim which is caused by, arises from or involves this will likely be rejected. This includes things like speeding, street racing, burnouts, donuts, driving into water or illegally using a mobile phone.

Old tyres

Looking after your tyres isn’t just important for your safety, it also keeps your car roadworthy and car insurance valid. The minimum legal tyre tread depth is 1.5mm in Australia. Once it’s below this, you could not only void your insurance, but also cop a fine. Check your tyre tread levels regularly to ensure your tires are safe and you are covered!

Modifying your car and not telling your insurer

There’s nothing wrong with giving your car a fancy upgrade, but if you don’t tell your insurer about these modifications or accessories and get into an accident, it could get complicated for you. If you don’t let your insurer know when you make changes to your car it’s technically no longer the car you insured, and you may have changed its value, roadworthiness, safety and/or performance. Keep your insurer up to date on any accessories added or modificatons to your car.

Overloading your car

If you’re carrying more passengers than your car was designed for (or than the driver is permitted to carry by law), or carrying a load that’s not secured properly according to the law, over the legal limit or more than what your car was designed to carry, it’s safe to say any claims you make that arise from or involve this will be rejected.

Different policies can have different exclusions, so it’s always a good idea to read your PDS or contact your insurer if you have any questions. If you’re an existing Suncorp Car Insurance customer visit the Suncorp App or our website to find your PDS or for more information.

Explore Suncorp Comprehensive Car Insurance

Read more:


Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Consider the Product Disclosure Statement before making a decision about this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

Got a Question?

Ask Scout, the Suncorp Virtual Assistant