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The most common car insurance claims
At-fault car accidents are the most common car claim type, according to the 2018 AAMI Crash Index. The data – gathered by AAMI, part of the Suncorp Group – relates to successful claims made during the 2017-2018 financial year. It revealed what types of car collision claims were most common in each state. Find out how your state stacks up!
Single-vehicle collisions
24.97 per cent of all motor claims in the Australian Capital Territory (ACT) were a single-car accident during the 2017-2018 financial year. This was the highest percentage of single car collision claims out of any state, based on data from the 2018 AAMI Crash Index.
Collision types by state
Single-car collisions involve things like the loss of control of a vehicle where another vehicle is not damaged. For example, if a driver runs up a gutter and hits a wall or guardrail, damaging their side panel, that’d be considered a single-car collision.
In this case, an excess would most likely apply. Make sure to read your Product Disclosure Statement (PDS) for full details on where excess does and doesn’t apply.
At-fault collisions
Victorians had the highest rate of at-fault collisions. The data showed that 26.09 per cent of collisions that happened in Victoria in FY17-18 involved an at-fault party. New South Wales was second for at-fault collisions, with 24.07% of all collisions involving at-fault party.
Being at fault means that you were the driver who caused the collision. For example, if you failed to give way and that failure resulted in an accident, you’d be considered at fault.
All levels of Suncorp Car Insurance cover at-fault drivers for:
- up to $20 mil of legal liability for loss or damage to other people’s cars and property.
We also cover damage by uninsured drivers (up to $5,000).
If you have Comprehensive Car Insurance, we’ll cover your car too – sign up today and get one free year of Suncorp Roadside Assist!*
Get a car insurance quote online!
So what
There’s plenty of reasons people make claims for their motor vehicle. But whether at-fault, not at-fault, or the lone driver in the collision, driving safely is always important. Make sure to follow these safety tips at all times while driving.
State breakdown
See what kind of claims are common in your state
Queensland
|
Claim Type |
Percentage (%) |
|---|---|
|
1. Windscreen |
25.28% |
|
2. Collision at-fault |
21.96% |
|
3. Collisions not at-fault |
19.51% |
|
4. Single car collision |
17.24% |
|
5. Damage whilst parked |
12.13% |
|
6. Theft |
1.69% |
|
7. Theft |
0.91% |
Windscreen claims refer to claims made for a damaged windscreen. This includes windows, sunroof, and moonroof. Generally, policies will allow for one windscreen claim per year before an excess would apply.
New South Wales
|
Claim Type |
Percentage (%) |
|---|---|
|
1. Collision at-fault |
26.61% |
|
2. Collision not at-fault |
25.75% |
|
3. Windscreen |
14.15% |
|
4. Single car collision |
15.64% |
|
5. Damage whilst parked |
13.97% |
|
6. Storm |
1.66% |
|
7. Theft |
1.09% |
Australian Capital Territory
|
Claim Type |
Percentage (%) |
|---|---|
|
1. Single car collision |
22.84% |
|
2. Collision at-fault |
22.50% |
|
3. Collisions not at-fault |
21.00% |
|
4. Windscreen |
17.06% |
|
5. Damage whilst parked |
13.34% |
|
6. Theft |
2.97% |
|
7. Storm |
0.86% |
Victoria
|
Claim Type |
Percentage (%) |
|---|---|
|
1. Collision at-fault |
29.24% |
|
2. Collision not at-fault |
23.59% |
|
3. Single car collision |
14.29% |
|
4. Damage whilst parked |
12.94% |
|
5. Windscreen |
9.95% |
|
6. Storm |
8.02% |
|
7. Theft |
1.55% |
South Australia
|
Claim Type |
Percentage (%) |
|---|---|
|
1. Collision at-fault |
26.91% |
|
2. Single car collision |
22.08% |
|
3. Collisions not at-fault |
20.13% |
|
4. Damage whilst parked |
16.09% |
|
5. Windscreen |
11.98% |
|
6. Theft |
1.87% |
|
7. Storm |
0.46% |
Western Australia
|
Claim Type |
Percentage (%) |
|---|---|
|
1. Windscreen |
25.41% |
|
2. Collision at-fault |
21.91% |
|
3. Collisions not at-fault |
18.52% |
|
4. Single car collision |
16.75% |
|
5. Damage whilst parked |
14.40% |
|
6. Theft |
1.94% |
|
7. Storm |
0.48% |
Northern Territory
|
Claim Type |
Percentage (%) |
|---|---|
|
1. Windscreen |
36.24% |
|
2. Single car collision |
18.58% |
|
3. Damage whilst parked |
14.10% |
|
4. Collision at-fault |
13.21% |
|
5. Collision not at-fault |
11.87% |
|
6. Theft |
2.97% |
|
7. Storm |
1.99% |
Tasmania
|
Claim Type |
Percentage (%) |
|---|---|
|
1. Collision at-fault |
29.24% |
|
2. Single car collision |
23.39% |
|
3. Windscreen |
22.34% |
|
4. Damage whilst parked |
16.35% |
|
5. Collision not at-fault |
13.55% |
|
6. Theft |
1.75% |
|
7. Storm |
0.48% |
Take this quiz to see how well you know Australian drivers.
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Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs so you should consider whether it is appropriate for you before acting on it. Suncorp Roadside Assist is provided by Digicall Assist Pty Ltd. For full coverage details, please see the Suncorp Insurance Roadside Assist Terms & Conditions. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.
