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.


What rewards can I get for being a safe driver?

19 March 2021

Suncorp hopes to promote safe driving on the roads. We’ve got loads of resources on Learn About to help you drive safely, such as these articles:

Suncorp’s no-claim bonus program recognises your years of safe driving. If you’ve been a Comprehensive Car Insurance customer for more than two consecutive years, you might be eligible for Claims Free Driver Rewards.

The best bit? The more consecutive years you go without making a claim, the higher the discount you’ll receive — up to a maximum of 15%!

Renew your policy today!

What discounts are available to Comprehensive Car Insurance customers?


You can earn:

  • 2.5% off your premium for a year of claim-free driving
  • 5% off for two to three years
  • 7.5% off for four to eight years
  • 10% off for nine to 13 years, and finally
  • 15% off for 14+ years.

How can I start earning the no claims bonus?

To be eligible for Claims Free Driver Rewards, you’ll need to:

  • have been a Suncorp Comprehensive Car Insurance policy holder for at least two years, and
  • have not made a claim for which an excess is payable.

For everything you need to know about Suncorp’s safe driver rewards, make sure to have a read of the Car Insurance Additional Information Guide (AIG) — page four covers Claims Free Driver Rewards.

Other ways to save on your car insurance policy

Family discount

If you’re under 25 and your parents also have Suncorp’s Comprehensive Car Insurance, you might be eligible for a 10% family discount.

Multi-policy discount

If you hold three or more eligible Suncorp Insurance policies, you may be entitled to a 15% discount across your policies.

Get a Car Insurance quote online

Pay annually

If you can afford the lump sum and it suits you, paying your insurance premiums annually will cost a little less than if you pay in monthly instalments.

Drive less

Choosing your runners over your car keys could help you save on your premiums! Customers with lower kilometres driven annually may receive a lower premium.  

Responsible driving means you can avoid incidents on the road. It also means you could save on your premiums with safe driver rewards. And most importantly, good driving keeps you and other road users safe.

Suncorp wants to help keep everyone on the road safe, so we’ve put together 5 tips to keep in mind when you’re on the road. Have a read to brush up on your safe driving knowledge.

Something to note is that if you’re a Suncorp customer on the old Maximum No Claim Bonus structure, Claims Free Driver Rewards won’t apply to you. But you have the option to let us know if you want to change this on your next renewal.

Read more:

Insurance issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Read the Product Disclosure Statement before buying this insurance. Go to for a copy. 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.

Combine any three or more paid eligible personal insurance products with us and you could qualify for our multi policy discount. Eligible policies are Suncorp Home, Contents, Landlord, Car, Motorcycle, Caravan (including trailer), Motorhome and Boat. Suncorp CTP counts as an eligible policy but can't be discounted due to Queensland legislation. Comprehensive Car Insurance counts as an eligible policy, but the discount does not apply to the Suncorp Roadside Assist optional cover. For full terms and conditions, click here, or go to

If you are eligible for more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). Discounts are subject to change. Minimum premiums may apply. Claims Free Rewards are not applied as a discount.

This information is intended to be of general nature only. We do not accept any legal responsiblity for any loss incurred as a result of reliance upon it - please make your own enquiries.