Cancellation service N°1 in Australia
Contract number:
To the attention of:
Cancellation Department – Suncorp
Suncorp Insurance, GPO Box 68
2001 Sydney
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Suncorp service. This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
16/01/2026
How to Cancel Suncorp: Complete Guide
What is Suncorp
Suncorp is a major general insurer that offers car, home, contents and specialist insurance products under several group brands. Its car insurance range includes Comprehensive cover and Third party variants with optional add-ons such as hire-car after theft and agreed value options. Suncorp publishes Product Disclosure Statements and regular PDS updates that set the contractual rules for premiums, refunds and policy terms.
The brand positions itself with multi-policy discounts, online purchase incentives and a mix of digital and agent channels for policy management. Recent product updates removed a standard cancellation fee and clarified obligations for joint policyholders and conduct of others in claims handling.
| Policy type | Core features | Indicative annual example |
|---|---|---|
| Comprehensive | Accidental damage, theft, new-for-old replacement (selected limits), roadside assistance options | Varies by vehicle; indicative market ranges A$720 - A$1,150 (examples vary by profile and region). |
| Third party - fire & theft | Liability for third party property plus optional fire and theft cover | Example A$306.10 annual (illustrative quote sample). |
| Third party property only | Liability for damage you cause to others' property | Example A$289.19 annual (illustrative quote sample). |
Pricing examples above were obtained from recent quote-aggregation reporting and market comparisons; actual premium depends on vehicle, driver profile, postcode and discounts.
How cancellations typically work for Suncorp
Suncorp policy terms state refunds are generally calculated on a pro rata basis for the unexpired portion of the premium, after deducting government taxes and duties and any permitted administration items. The PDS and your certificate of insurance are the source for the precise formula that applies to your policy.
There is commonly a cooling-off period after a new policy starts during which an insured can cancel and receive a refund provided no claim has been made and other PDS conditions are met. Many public PDS summaries reference a 30 day cooling-off timeframe, but you must check your specific PDS for exact dates and conditions.
If you have instalment payments in place, outstanding instalments can affect the final refund calculation; some instalment arrangements include service fees that may not be refundable. Recent Suncorp PDS updates removed a generic cancellation fee, but administration deductions and external levies still apply.
Timing, notice and joint policies
Cancellation timing is governed by the policy period and any agreed renewal date. For joint policies Suncorp may require all joint policyholders to be consulted before actioning a request that impacts the contract, which can affect the processing timeline.
Roadside assist or other embedded benefits provided by third parties may have separate non-transferable rules; refunds for those benefits may be handled differently from the main motor policy. Check the relevant terms in the PDS.
Customer experience with cancellations
What users report
Online reviews and forum posts show mixed experiences. Many customers report satisfactory, straightforward refunds when cancellation falls within the cooling-off period or when the policy is cancelled early and the PDS formulas are applied. Other public reviews note frustration with delays in processing refunds and with communication when a policy is cancelled or when claims are open.
Community threads frequently highlight price sensitivity as a driver for cancellation: customers often compare renewal quotes and switch providers if premiums increase significantly. Several posters describe needing persistence to resolve administrative issues after cancellation.
Recurring issues and practical takeaways
Reports commonly mention these practical points: allow time for pro rata refund calculations, expect deductions for taxes and permitted fees, and check whether instalment service fees or third-party benefits influence the refund amount. Many reviewers emphasise keeping clear records of policy documents and transaction dates to speed dispute resolution.
When a policy has active or recent claims, refunds may be restricted. Users who cancelled while a claim was open or after making a claim frequently report limited or no refund entitlement per PDS rules.
Refunds, prorations and what to expect
Expect a pro rata refund model: the insurer typically calculates the unused portion of the premium for the remaining period and subtracts government charges and any permitted administration items. This calculation can differ by product and payment method.
If you paid by instalments and have a remaining balance the insurer may require settlement of that balance before finalising any refund, or they may offset the refund against outstanding instalments. Keep documentation that shows payment dates and instalment schedules.
Where a policy is cancelled shortly after purchase and within the cooling-off window, PDS language generally entitles the insured to a full refund less any taxes/duties and subject to the no-claim condition during that period. Confirm the exact cooling-off length and conditions in your PDS.
Disputes and chargebacks: practical approach
If you disagree with a refund calculation, the PDS is your contract and the starting point for any dispute. Keep a written timeline of events, the PDS reference pages for the refund clause, and evidence of payments and correspondence.
Escalation steps commonly used by consumers include following internal complaint processes detailed in insurer material and, if unresolved, contacting the relevant external dispute resolution body for general insurance. Keep evidence of all interactions and dates.
Documentation checklist
- Policy documents: your current certificate of insurance and Product Disclosure Statement reference pages.
- Payment records: receipts, instalment schedule, bank statements showing premium deductions.
- Dates and timeline: start date, renewal date, date you requested cancellation and any cooling-off period dates.
- Claim history: evidence of any claims or claim denials during the policy period.
- Identification: matching ID details used on the policy (name, address, licence number if applicable).
Common pitfalls to avoid
- Assuming a full refund: refunds are usually pro rata and may exclude taxes and permitted administration charges.
- Overlooking instalment obligations: outstanding instalments or instalment fees can reduce or offset refunds.
- Not checking PDS timing clauses: cooling-off and effective cancellation dates determine eligibility and refund size.
- Failing to verify joint policyholder consent: joint policies may require all named policyholders be consulted, which can delay finalisation.
| Feature | Comprehensive | Third party fire & theft |
|---|---|---|
| Damage to own vehicle | Yes (subject to excess and terms) | No |
| Liability to others | Yes (up to policy limits) | Yes (typically up to A$20 million liability cover) |
| New-for-old replacement | Available for eligible vehicles (policy limits apply) | No |
Feature comparisons above are aligned with Suncorp product descriptions and public PDS summaries; specific cover levels and eligibility are in each PDS.
How cancellations affect related products
Suncorp offers bundle discounts; cancelling one policy may change premium calculations on remaining policies or remove a multi-policy discount at renewal. Review the combined premium impact before taking action.
Third-party administered benefits such as roadside assist are often delivered by a separate provider whose terms may restrict refunds or transfers. The roadside assist terms note that the benefit is not transferable and the third party may not issue refunds directly.
Practical tips from an experienced cancellation specialist
First: gather the PDS and certificate pages that show the refund formula and any cooling-off wording. Next: prepare a clear timeline of payments and any claim activity. Additionally: track instalment schedules and any service fees that could be deducted. Most importantly: keep a careful record of every interaction date and reference so you can reference it in any dispute.
When comparing alternatives, use recent quote snapshots and verify whether multi-policy discounts or promotional offers influenced your last premium; customers who shop annually frequently find materially different renewals.
Address
- Address: Suncorp Insurance, GPO Box 68, Sydney NSW 2001
What to do after cancelling Suncorp
After cancellation, monitor your bank statements and any insurer-confirmed adjustments over the next billing cycle. Compare the refund posted against the PDS calculation you prepared and flag discrepancies promptly using the insurer's formal complaints process.
Keep the documentation checklist for at least 12 months after cancellation; this helps if any retroactive charge appears or if you need to prove the dates of cover for registration or financing purposes. Finally, when obtaining replacement cover, align excess, agreed value selections and add-ons to avoid coverage gaps.