Suncorp Car Insurance

This type of insurance doesn’t cover accidental damage to your vehicle but does include protections against damage sustained due to theft and fire, as well as damage caused by your vehicle to other vehicles and property. Suncorp’s policy offers the following inclusions:

• Accidental loss or damage to your car during the period of insurance caused by fire and theft
• Legal liability for damage to other people’s property arising from the use of your car, with a maximum coverage of $20 million per incident
• Up to $5,000 for damage caused by uninsured drivers
• Coverage for emergency repairs to make your car roadworthy, emergency accommodation costs, and accidental loss or damage to personal property in the car during the incident
• A hire car after the theft of your car for up to 21 days
• Coverage for tools of trade for loss or damage if your car is damaged in a covered incident or stolen
• Coverage for transport costs from the incident scene to your destination, to and from the repairer, and to and from a hire car provider
• Coverage for towing and storage costs if your car is damaged and not roadworthy or safe to drive
• Coverage for the replacement of stolen or damaged baby capsules and child seats
• Coverage for legal liability and related expenses when using a substitute car while your own car is inoperable

This is the most basic form of optional car insurance in Australia, designed to cover damage caused to other people’s property, rather than to your own vehicle. Suncorp’s policy offers the following inclusions:

• Coverage for legal liability for damage to other people's property from the use of your car, up to $20 million per incident
• Hire car provision if your car is damaged and undriveable, and you are not at fault
• Coverage for liability and associated legal costs when using a substitute car
• Coverage for damage caused by uninsured drivers, provided your car is not at fault and necessary information is provided, up to $5,000 per incident
• If your car is damaged by an uninsured driver, you will also be covered for:
  – Transport costs to/from the incident scene, repairer and hire car provider, up to $250 per incident
  – One tow and storage costs if your car is undriveable or requires storage
• Liability coverage for third-party property damage caused by caravans or trailers towed by your car, up to $20 million

Suncorp is one of four CTP insurance providers in Queensland. CTP insurance is a mandatory requirement for all car owners in Australia, covering a driver’s liability for injuring or killing other road users when behind the wheel. Cover may include:

• Medical treatment
• Rehabilitation
• Care costs
• Loss of income
• General damages