HCF vs Suncorp Insurance: which is better? Comparison 2026

By our public methodology HCF scores 86 out of 100 and Suncorp Insurance scores 83. Below: the factors and facts where they differ, each fact with its source.

Insurance companies in Australia 2026: a ranking built on verified facts How we rank

2

HCF

86/100
3

Suncorp Insurance

83/100

Score breakdown

HCFSuncorp Insurance
Reliability7575
Service8686
Products10083
Transparency100100

Pros and cons

HCF

  • Long track record as a licensed insurer
  • Wide range of products for private customers
  • Publishes annual financial reports
  • Policies can be bought online
  • No rating from a recognised agency stated on the website

Suncorp Insurance

  • Long track record as a licensed insurer
  • Wide range of products for private customers
  • Publishes annual financial reports
  • Policies can be bought online

Facts side by side

FactHCFSuncorp Insurance
Licensed since1932 hcf.com.au1902 suncorp.com.au
Buy a policy onlineYes hcf.com.auYes suncorp.com.au
Rating from a rating agencyNo hcf.com.auNot verified
Financial reports onlineYes hcf.com.auYes suncorp.com.au
Part of a groupYes hcf.com.auYes suncorp.com.au
Report a claim onlineYes hcf.com.auYes suncorp.com.au
Mobile appYes hcf.com.auYes suncorp.com.au
24/7 phone lineYes hcf.com.auYes suncorp.com.au
Retail lines offered (of 6)6 hcf.com.au5 suncorp.com.au
Policy terms onlineYes hcf.com.auYes suncorp.com.au
Complaints procedure publishedYes hcf.com.auYes suncorp.com.au
Calculator or tariffsYes hcf.com.auYes suncorp.com.au

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