{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "suncorp-insurance",
  "name": "Suncorp Insurance",
  "website": "https://www.suncorp.com.au/insurance/",
  "kind": "brand",
  "underwriter": "AAI Limited",
  "underwriter_abn": "48005297807",
  "underwriter_afsl": "230859",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Suncorp Home & Contents Insurance (home cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "sum_insured_buffer",
    "buffer_percent": 25,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [
     "Classic",
     "Classic Extras",
     "Classic Advantages"
    ],
    "eligibility": "Owner-occupiers using the home as their principal residence or holiday home (free-standing homes, townhouses, terraces, duplexes/triplexes); not landlords or strata/body corporate buildings.",
    "states": null,
    "documents": [
     {
      "title": "Home & Contents Insurance Product Disclosure Statement",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf",
      "date": "2025-01-31"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-building-kfs-27378a-24-05-25-a.pdf",
      "date": "2025-01-31"
     },
     {
      "title": "Home and Contents Insurance Target Market Determination",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-tmd-31499-24-05-25-a.pdf",
      "date": null
     },
     {
      "title": "Supplementary Product Disclosure Statement (accidental damage)",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-contents-spds-32462-18-08-26-a.pdf",
      "date": "2026-06-23"
     },
     {
      "title": "Home & Contents Insurance Additional Information Guide",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-contents-aig-17245-03-10-26-a-lr.pdf",
      "date": "2026-10-03"
     }
    ],
    "quotes": {
     "product": {
      "text": "This policy provides cover for loss or damage to the home and contents.",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This policy provides cover for loss or damage to the home and contents.",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=6",
       "page": 6,
       "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: — websites; — contact centres;",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-tmd-31499-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: — websites; — contact centres;",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-tmd-31499-24-05-25-a.pdf#page=8",
       "page": 8,
       "document_sha256": "fc01a4b23fce8e49bf594d427f8b2f6fd2355a85f86d89ce1fc7dc17bc643226",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "If the cost to repair or rebuild loss or damage to your home covered by your policy exceeds the home sum insured, we’ll pay up to a further percentage of the home sum insured towards either:",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "If the cost to repair or rebuild loss or damage to your home covered by your policy exceeds the home sum insured, we’ll pay up to a further percentage of the home sum insured towards either:",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=75",
       "page": 75,
       "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood We cover Loss or damage caused by flood.",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood We cover Loss or damage caused by flood.",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=42",
       "page": 42,
       "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "This cover is optional for the Classic level of cover and automatically included in the Classic Extras and Classic Advantages levels of cover.",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This cover is optional for the Classic level of cover and automatically included in the Classic Extras and Classic Advantages levels of cover.",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=72",
       "page": 72,
       "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "are owner occupiers using the home as their principal place of residence primarily for domestic purposes or as a holiday home including:",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-tmd-31499-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "are owner occupiers using the home as their principal place of residence primarily for domestic purposes or as a holiday home including:",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-tmd-31499-24-05-25-a.pdf#page=6",
       "page": 6,
       "document_sha256": "fc01a4b23fce8e49bf594d427f8b2f6fd2355a85f86d89ce1fc7dc17bc643226",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the home or unit hasn’t been occupied for more than 60 continuous days.",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=18",
       "page": 18,
       "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-contents-aig-17245-03-10-26-a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the home or unit hasn’t been occupied for more than 60 continuous days",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-contents-aig-17245-03-10-26-a-lr.pdf#page=2",
       "page": 2,
       "document_sha256": "cb6c53aced3aadffd1407826c283ea2f246e802f02efab2f7cd43df467094f93",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Home cover is sold inside the Home & Contents PDS; you can choose home cover, contents cover or both.",
     "Safety net home protection pays up to a further 25% of the home sum insured (30% on Classic Advantages) when repair or rebuild cost exceeds the sum insured. It is optional on Classic and automatically included on Classic Extras and Classic Advantages.",
     "Accidental damage at home is optional on Classic and automatically included on Classic Extras and Classic Advantages.",
     "Flood is listed as a standard insured event with no option in the PDS to remove it."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Occupied means furnished to live in, someone eating, sleeping and living there, and utilities connected; you may be asked to prove it.",
     "then": null,
     "label": "Extra $1,000 excess after 60 days"
    },
    "id": "suncorp-home-contents-insurance-home-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Suncorp Landlord Insurance (property cover)",
    "type": "landlord",
    "segment": "residential",
    "channel": "direct",
    "online_quote": true,
    "cover_basis": "choice",
    "buffer_percent": 25,
    "flood": "included",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": "Landlords who own an investment property rented to tenants as their permanent residence; not strata/body corporate buildings.",
    "states": null,
    "documents": [
     {
      "title": "Landlord Insurance Product Disclosure Statement",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf",
      "date": "2025-01-31"
     },
     {
      "title": "Landlord Insurance Target Market Determination",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-tmd-31501-24-05-25-a.pdf",
      "date": null
     },
     {
      "title": "Landlord Insurance Supplementary Product Disclosure Statement",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-spds-32463-18-08-26-a.pdf",
      "date": "2026-06-23"
     },
     {
      "title": "Landlord Insurance Additional Information Guide",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-aig-17360-03-10-26-a-lr.pdf",
      "date": "2026-10-03"
     }
    ],
    "quotes": {
     "product": {
      "text": "This policy provides cover for loss or damage to the property and contents when you’re a landlord and lease the property to tenants.",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This policy provides cover for loss or damage to the property and contents when you’re a landlord and lease the property to tenants.",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf#page=6",
       "page": 6,
       "document_sha256": "63fa76fc467c19a2bfe0ace19a69bb1fce8430a4166924fc4ba9355aa91bb724",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: — websites; — contact centres;",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-tmd-31501-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "distribution of this Product must be conducted through our policy administration system through the following distribution channels: — websites; — contact centres;",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-tmd-31501-24-05-25-a.pdf#page=6",
       "page": 6,
       "document_sha256": "9faa26ba5ac0b900ed77a2363b12f91e4bbcbac719fe878850923cf287506b09",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Optional cover (These are covers that you pay extra for) 10 Page Motor burnout 76 Accidental damage at the property 78 Safety net protection (property cover only) 81",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Optional cover (These are covers that you pay extra for) 10 Page Motor burnout 76 Accidental damage at the property 78 Safety net protection (property cover only) 81",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf#page=10",
       "page": 10,
       "document_sha256": "63fa76fc467c19a2bfe0ace19a69bb1fce8430a4166924fc4ba9355aa91bb724",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood We cover Loss or damage caused by flood.",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood We cover Loss or damage caused by flood.",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf#page=47",
       "page": 47,
       "document_sha256": "63fa76fc467c19a2bfe0ace19a69bb1fce8430a4166924fc4ba9355aa91bb724",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Optional cover (These are covers that you pay extra for) 10 Page Motor burnout 76 Accidental damage at the property 78 Safety net protection (property cover only) 81",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Optional cover (These are covers that you pay extra for) 10 Page Motor burnout 76 Accidental damage at the property 78 Safety net protection (property cover only) 81",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf#page=10",
       "page": 10,
       "document_sha256": "63fa76fc467c19a2bfe0ace19a69bb1fce8430a4166924fc4ba9355aa91bb724",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "own an investment property and require cover for the building that is used as:",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-tmd-31501-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "own an investment property and require cover for the building that is used as:",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-tmd-31501-24-05-25-a.pdf#page=4",
       "page": 4,
       "document_sha256": "9faa26ba5ac0b900ed77a2363b12f91e4bbcbac719fe878850923cf287506b09",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the property or unit hasn’t been occupied for more than 60 continuous days.",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "This excess applies in addition to any other excess if at the time of the incident covered by your policy, the property or unit hasn’t been occupied for more than 60 continuous days.",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-ins-pds-12315-24-05-25-a.pdf#page=20",
       "page": 20,
       "document_sha256": "63fa76fc467c19a2bfe0ace19a69bb1fce8430a4166924fc4ba9355aa91bb724",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-aig-17360-03-10-26-a-lr.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "In addition to any other excesses applicable, an unoccupied excess of $1,000 will apply if at the time of the incident covered by your policy the property or unit hasn’t been occupied for more than 60 continuous days",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/landlord/suncorp-landlord-aig-17360-03-10-26-a-lr.pdf#page=2",
       "page": 2,
       "document_sha256": "cad2fc3b95f1be5199b7e6e939f4410d01a0abe81981a06ecb6ed93616208ef5",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Safety net protection (up to a further 25% of the property sum insured) is listed under 'Optional cover you can pay extra for' in the landlord PDS.",
     "Accidental damage at the property is an optional cover for an extra premium."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": "Occupied means furnished to live in, someone eating, sleeping and living there, and utilities connected; you may be asked to prove it.",
     "then": null,
     "label": "Extra $1,000 excess after 60 days"
    },
    "id": "suncorp-landlord-insurance-property-cover",
    "type_label": "Landlord",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
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        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Suncorp Insurance Strata Insurance",
    "type": "residential_strata",
    "segment": "residential",
    "channel": "direct",
    "online_quote": false,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": "included",
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    "levels": [],
    "states": null,
    "documents": [
     {
      "title": "Strata Insurance Product Disclosure Statement",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf",
      "date": "2025-01-31"
     },
     {
      "title": "Strata Insurance Target Market Determination",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-insurance-tmd-31503-25-06-25-a.pdf",
      "date": "2025-06-25"
     },
     {
      "title": "Strata Insurance Additional Information Guide",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-aig-28052-24-05-25-a.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Strata Insurance covers residential buildings within a complex and common areas such as garages, sealed driveways, and fixed swimming pools.",
      "url": "https://www.suncorp.com.au/insurance/home/strata.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Strata Insurance covers residential buildings within a complex and common areas such as garages, sealed driveways, and fixed swimming pools.",
       "url": "https://www.suncorp.com.au/insurance/home/strata.html#:~:text=Strata%20Insurance%20covers%20residential%20buildings,driveways%2C%20and%20fixed%20swimming%20pools.",
       "document_sha256": "d6766002902626f044ffc3128f1900723c4304db046055e587928be57adfdb43",
       "confirmed": "2026-11-13"
      }
     },
     "channel": {
      "text": "Call 13 11 55 for a quote",
      "url": "https://www.suncorp.com.au/insurance/home/strata.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Call 13 11 55 for a quote",
       "url": "https://www.suncorp.com.au/insurance/home/strata.html#:~:text=Call%2013%2011%2055%20for%20a%20quote",
       "document_sha256": "d6766002902626f044ffc3128f1900723c4304db046055e587928be57adfdb43",
       "confirmed": "2026-11-13"
      }
     },
     "online_quote": {
      "text": "Call 13 11 55 for a quote",
      "url": "https://www.suncorp.com.au/insurance/home/strata.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Call 13 11 55 for a quote",
       "url": "https://www.suncorp.com.au/insurance/home/strata.html#:~:text=Call%2013%2011%2055%20for%20a%20quote",
       "document_sha256": "d6766002902626f044ffc3128f1900723c4304db046055e587928be57adfdb43",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "the insured incidents listed in this policy like storms, floods, and fires (including bushfire)",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf#page=7",
       "page": 7,
       "document_sha256": "e71641440b2ba977a1c6c455eadbb2e15705832803558e95690af10f37bda0b1",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "accidental damage not caused by or arising from any of the insured incidents listed in this policy.",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf#page=7",
       "page": 7,
       "document_sha256": "e71641440b2ba977a1c6c455eadbb2e15705832803558e95690af10f37bda0b1",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-insurance-tmd-31503-25-06-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Cover for loss or damage to an entire residential building that has multiple dwellings where it is for a body corporate, owners corporation, strata company or where there is no strata title entity, provided the owner owns the entire property",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-insurance-tmd-31503-25-06-25-a.pdf#page=3",
       "page": 3,
       "document_sha256": "cdc619517fe6ae51b4871a1b35531aec321c54a6c6d6b66cac116dd1d1a078a3",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "if at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "if at the time of the incident covered by your policy, 50% or more of the lots at the strata building at the insured address haven’t been occupied for a period of more than 60 continuous days.",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-pds-27877-24-05-25-a.pdf#page=20",
       "page": 20,
       "document_sha256": "e71641440b2ba977a1c6c455eadbb2e15705832803558e95690af10f37bda0b1",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied_excess": {
      "text": "The unoccupied excess is $1,000",
      "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-aig-28052-24-05-25-a.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "The unoccupied excess is $1,000",
       "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/strata/suncorp-strata-aig-28052-24-05-25-a.pdf#page=3",
       "page": 3,
       "document_sha256": "1450ef7b4415a116f955e12bf717f9323c73f7830d07b1fd40a8a8161fde9556",
       "confirmed": "2026-11-13"
      }
     }
    },
    "eligibility": "Body corporates, owners corporations and strata companies (or an owner of a whole multi-dwelling residential building) wanting building and common property cover for small residential strata buildings.",
    "conditions": [
     "Cover is for the strata building and common property, arranged by the body corporate, owners corporation or strata manager; it is not for individual unit owners' contents.",
     "Strata cover for flood, storm, storm surge and tsunami does not start until 72 hours after the policy begins (very limited exceptions)."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "Applies only when 50% or more of the lots have not been occupied for more than 60 continuous days.",
     "then": null,
     "label": "Extra $1,000 excess after 60 days"
    },
    "id": "strata-insurance",
    "type_label": "Residential strata",
    "issuers": [
     {
      "name": "AAI Limited",
      "abn": "48005297807",
      "afsl": "230859",
      "lloyds": false,
      "slug": "aai",
      "apra": {
       "status": "authorised",
       "name": "AAI Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "230859",
       "name": "AAI LIMITED",
       "abn": "48005297807",
       "acn": null,
       "licensed_since": "2003-11-08",
       "locality": "Brisbane QLD 4000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "This insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859, trading as Suncorp Insurance",
    "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "This insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859, trading as Suncorp Insurance",
     "url": "https://www.suncorp.com.au/content/dam/suncorp/insurance/suncorp-insurance/documents/home-and-contents/home/suncorp-home-and-contents-pds-12314-24-05-25-a.pdf#page=116",
     "page": 116,
     "document_sha256": "d0138c6610cd3bce7c25b83b7ceaa87adea87a4eaa182a73b57e732bc8ecd97d",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "PDSs prepared 31 January 2025; Supplementary PDSs prepared 23 June 2026 change only the accidental damage exclusion wording. Suncorp sells a single Home & Contents PDS covering home and contents under three levels; the Classic buffer is optional (25%), Classic Advantages 30%.",
  "segments": [
   "residential"
  ],
  "issuers": [
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      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
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    },
    "licence": {
     "afsl": "230859",
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      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/suncorp-insurance/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/suncorp-insurance.json"
 }
}