Avoid their insurance at all costs!! They will do anything to avoid paying you or make excess so high it doesn't make it viable to make a claim or increased premiums. Look elsewhere.Frankly, not responding knowing when my policy is due only adds to what has been a deeply frustrating and financially damaging experience.This email isn't specifically pointed towards you, but I must express how I feel. So I'm saying this to Suncorp and not you as a person. Let’s go over this again:The previous tenants trashed the place, stole multiple items, and left us with a serious mess. Yet Suncorp refused to cover it—writing it off as "wear and tear" and "human behaviour"? This is ridiculous. If this was a hotel or airbnb, every single stolen or damaged item would have been replaced.Now with this new claim, where there's confirmed water damage, your process is once again set up to leave me with the bill. This time it’s because the repair costs are apparently less than the $2,000 excess—a figure I’m convinced has been strategically inflated so most water damage claims fall just under it. It’s manipulative and disgraceful. What about the mould in the walls now which under your policy has to be fixed as part of the disclosure and standard of the house. On top of that, I’ve looked into Ambrose Construct Group—your so-called independent repairer. Let’s be honest: they’re not independent. They're a preferred contractor of Suncorp, publicly linked to your team, regularly hosting your assessors, and very clearly dependent on your ongoing business.This creates a clear conflict of interest:They have every reason to downplay damage or reduce scope to keep your costs low.Their survival depends on keeping insurers like Suncorp happy.You, in turn, get to distance yourself from their decisions while benefiting from their narrowed reports.So while you hide behind third-party “assessments,” your entire model is set up to avoid paying out, plain and simple. You get plausible deniability while customers like me wear over $20,000 in damage.What is the point of this insurance product?It hasn’t protected me from theft.It hasn’t protected me from damage.It’s only protected your company’s bottom line.I’ll be cancelling all my policies with Suncorp—home, contents, and anything else. Your business model is built on fine print, denial strategies, and what looks a lot like intentionally priced-out excess structures.You’ve lost my trust. Completely.
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Suncorp Group Limited is an Australian finance, insurance, and banking corporation based in Brisbane, Queensland, Australia.