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Why insure with Suncorp?

~Promoter is AAI Limited ABN 48 005 297 807, see full T&Cs. Starts 12:00am AEST 2/10/2026, ends 11:59pm AEST 30/9/2027, split into 12 monthly entry periods. Open to AU residents aged 18+ who paid for an eligible Suncorp Car, Motorcycle, Home, Contents or Landlord Insurance renewal policy (excludes CTP and strata) during the entry period. Entry is automatic; 1 entry per eligible risk insured. Prizes: AUD $10,000 per month, first 10 valid entries in each Monthly Draw win $1,000 Digital Prepaid Mastercard, total prize pool AUD$120,000. Monthly draws at Level 3, 162 Collins St, Melbourne - see T&Cs for draw dates. Winners notified by phone & email and published online within 7 days of each draw. NSW Authority: TP/05393 Permits: ACT TP 26/01829 SA SA T26/1407.

14. The first ten (10) valid entries drawn in each Monthly Draw will each win a $1,000 Digital Prepaid Mastercard.
15. The Promoter may draw reserve entries in a prize draw and record them in order to use in the instance an invalid entry or ineligible entrant is drawn, or a prize is forfeited.
16. The Digital Prepaid Mastercard is issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 and distributed by TCN Group Pty Ltd ABN 87 626 501 568 (“TCN”) pursuant to license by Mastercard. T&Cs apply. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Redemption of the Digital Prepaid Mastercard is subject to the standard terms and conditions, which can be found at https://card.gift/terms-and-conditions/mastercard. Any ancillary costs associated with redeeming a Digital Prepaid Mastercard are not included. Any unused balance of a Digital Prepaid Mastercard will not be awarded as cash. Redemption of a Digital Prepaid Mastercard is subject to any terms and conditions of the issuer including those specified on the Digital Prepaid Mastercard.

PROVISIONS APPLICABLE TO PRIZES GENERALLY

17. The total prize pool is valued at AUD$120,000.
18. Where a policy has multiple policyholders, the prize will be awarded to the named insured listed on the policy. Authorised contacts or representatives who are not named insureds are not eligible to be awarded a prize in their own right, but may liaise with the Promoter for administrative purposes (including notification of a win) where they hold appropriate authority. In the event of any inconsistency or dispute regarding prize entitlement, the rights of the named insured(s) will take precedence.
19. No compensation will be payable if a winner is unable to take any element of a prize as stated, or does not satisfy any conditions of use for any element of the prize for whatever reason. Any part of a prize that is not taken for any reason is forfeited and no compensation will be provided.
20. If a prize is unavailable for any reason outside the Promoter’s control, the Promoter will substitute alternative goods or services of equal or higher value, subject to any written directions from a regulatory authority. Subject to any applicable law which cannot be excluded, the Promoter accepts no other liability or responsibility for any loss incurred by a winner or any other party if a prize is unavailable for any reason.
21. Other than as expressly stated in these conditions, a prize is non-refundable, non-exchangeable, non-replaceable, and non-redeemable for another prize including cash, except at the Promoter’s reasonable discretion and subject to relevant State and Territory legislation.

PRIZE WINNERS

22. The winners will be notified within 7 business days of each Monthly Draw by phone call and email, using the details provided in their entry.
23. The prize notification will include instructions as to how the winner is to claim their prize.
24. The prizes will only be awarded following any winner validation and verification that the Promoter reasonably requires.
25. Winners (first initial, last name and postcode) will be published at https://www.suncorp.com.au/renewalgiftback.html  on the dates set out in condition 13 above.
26. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize by the time stipulated by the Promoter, then the prize will be forfeited.
27. Subject, where relevant, to any directions given by a relevant regulatory authority, if a winner is determined by the Promoter to be ineligible to win a prize in accordance with these conditions, the relevant prize will be forfeited and instead awarded to another Eligible Entrant from the list of reserve entries.
28. If a prize is not claimed by a winner or the Promoter has been unable (despite reasonable efforts) to successfully contact the winner on or before 25 October 2027, an unclaimed prize draw may take place. Any such unclaimed prize draw will be made from a pool of the remaining Eligible Entrants and will take place on 26 October 2027 at the same time and location as the original Monthly Draws, subject to any direction from a regulatory authority.
29. Any redraw prize winner(s) will be notified within 2 business days of the redraw by phone call and email using the details provided in their entry and their first initial, last name and postcode will be published at https://www.suncorp.com.au/renewalgiftback.html  on 1 November 2027. Any redraw prize winner(s) must claim their prize by 22 November 2027.
30. As a condition of accepting a prize, the Promoter may at its discretion require that prize winners sign any legal documentation as and in the form required by the Promoter, including but not limited to a legal release and indemnity form.

GENERAL

31. Nothing in these terms and conditions restricts, excludes or modifies any consumer rights under any statute including the Competition and Consumer Act 2010 (Cth).
32. If this Competition is not capable of running as planned, or is interfered with or disrupted in any way by unforeseen circumstances outside the Promoter’s control (including by vandalism, power failures, natural disasters, acts of God, weather event, civil unrest, strikes, computer bugs or viruses, tampering or technical failures), the Promoter reserves the right to cancel, terminate, modify or suspend the Competition, or invalidate any affected entries, acting reasonably and to the extent necessary to address the unforeseen circumstances and subject to the approval of any relevant regulatory authorities, where required.
33. Subject to any rights you may have under any applicable law, the Promoter assumes no responsibility for the following, except to the extent caused or contributed to by our own negligence: (i) any error, omission, interruption, or delay in the operation or transmission of any communication sent to (or by) the Promoter or any entrant whether caused by problems with communication networks or lines, computer systems, software or internet service providers, congestion on any carrier network or otherwise; (ii) any theft, destruction or unauthorised access to, or alteration of such communications; (iii) any problem with, or technical malfunction of, any computer system or other equipment used for the conduct of the Competition; or (iv) any delay in delivery (when not directly caused by the Promoter or its supplier), or failure of safe delivery of a prize.
34. If any dispute arises between an individual and the Promoter concerning the conduct of this Competition or claiming a prize, the Promoter will, acting reasonably, consider the individual’s point of view, taking into account any facts or evidence put forward, and to respond to it fairly within a reasonable time. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
35. A winner accepts a prize at their own risk. Any tax liability arising as a result of accepting a prize is the responsibility of the winner. Independent financial advice should be sought.
36. To the full extent permitted by law, the Promoter, its associated companies and agencies and any of their personnel (the "Relevant Parties") exclude all liability for any loss (including any damage, claim, injury, cost or expense) which is suffered or incurred by any Eligible Entrant in connection with the Competition or a prize, including without limitation: (i) any indirect loss such as loss of business or other profits; and (ii) any liability for personal injury or death.  To the extent that such liability cannot be excluded by law, it is limited to the minimum allowable by law. The Promoter may request that a winner sign and returns a deed of release to this effect as a condition of a prize being awarded.  If a winner fails to sign and return such release, they may forfeit the prize.
37. If requested by the Promoter and agreed by a winner, the winner will participate in reasonable promotional activity (such as publicity and photography) surrounding winning a prize, and consent to the Promoter using their name, likeness, image and/or voice (including any photograph, film and/or recording of them) in promotional material related to the Competition in any media at any time without notification or compensation, financial or otherwise.

PRIVACY STATEMENT AND MARKETING CONSENT

38. Personal information is collected from entrants by or on behalf of the Promoter to enable the Promoter and its agents to manage, administer and promote the Competition and, where applicable, publicise the winner. The personal information may also be provided to persons assisting the Promoter, including prize suppliers and deliverers, marketing agencies and IT providers, and to regulatory authorities, media outlets and related companies. The Promoter will disclose Eligible Entrants’ personal information and/or collect personal information about Eligible Entrants from persons overseas to engage in its business functions and activities and for the purposes detailed in this statement (for a list of countries, see the Group’s Privacy Policy https://www.suncorpgroup.com.au/about/corporate-governance/privacy-policy. By participating in the Competition (and/or accepting the prize), Eligible Entrants consent to these uses and disclosures of their personal information.
39. If an Eligible Entrant does not provide the personal information the Promoter requests, the Promoter may not be able to enter them into the Competition. All personal information is handled in accordance with the Promoter’s Privacy Statement at https://www.suncorpgroup.com.au/about/corporate-governance/privacy-policy and the Group’s Privacy Policy. Information about how to access or correct the personal information that the Promoter holds about you, or complain, can be found in the Group’s Privacy Policy available online at https://www.suncorpgroup.com.au/about/corporate-governance/privacy-policy.
40. Competition permit numbers SA T26/1407. ACT TP 26/01829 & NSW TP/05393.