Hi,
As a renter in Mackay, I currently pay $100 a month for content insurance. Our home contest policy has been with Suncorp and we have been happy with their service so far, however their car premiums have been extremely disappointing.

We own a 2010 V8 Commodore Sportswagon, and have not made a car insurance claim since 2008 (Feb '08 flood).  In March this year, we moved across the suburb of Andergrove our house premium varied by about $4 a month, which we were understood. Our car renewal came at the end of March. First, Suncorp tried to claim we owed $44 dollars for the month of March due to the address change, which was never mentioned when I called originally to change the address. The renewal itself has almost doubled from around $700 the previous year to over $1200. When I called Suncorp, they said the address change was the reason. I queried this, as I had seen the crime maps for the area and the crime rate is much lower in our new suburb and our car is now on a lock up garage compared to a carport. I asked for a better deal and was offered $100 off for the yearly policy. 
After quoting with lots of companies, we went with NRMA, who insured the car for $570. A huge difference. 
I understand that we have natural disasters in North Queensland, however, it's not a daily occurrence. The '08 flood was a once in a lifetime flood that happened 6 years ago as we've had few issues since. Considering the '11 floods in the South East Corner were much more severe and affected a larger area, you'd think that their insurance would also be affected- but my sisters who rent in Toowoomba pay $60 a month for almost the same contents policy- but they are with a company that won't insure in Mackay.

With thanks,
Beth McEwan
Sent from my iPhone