Get comprehensive car insurance with Australia Post and a 15% discount if you buy online.
Australia Post’s Gold Comprehensive Car Insurance plan helps protect your car with coverage for theft, fire and accidents. This review will outline what the plan covers and some of the extras you can add. It will also explain who is eligible for the plan and outline some of the exclusions you should be aware of. Some key plan features include:
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- Coverage for damag
eor loss of your car resulting from theft or fire
- New car replacement if your car is less than 24 months old and has done under 40,000 kms
- A 15% discount if you buy the plan online
- Coverage of any personal effects that are lost or damaged (up to $500)
- Death benefit up to the value of $5,000
- Coverage for damage to other people’s property even where you’re at fault
- Replacement of car key or remote (up to $1,000)
- Payment for transport home after an accident or emergency accommodation (if transport is unavailable)
- Cost of debris removal after an accident
Additional options to consider
The Australia Post Gold Comprehensive Car Insurance Plan also includes a range of optional extras. These options let you adjust your insurance plan to suit your specific coverage needs. These extras include:
- Maximum no-claim discount protection
- Reduced excess if you damage your windscreen
- Car hire benefits after an accident
- Variable excess, allowing you to reduce your premium
The policy also allows you to insure your car at its current market value, or for a value agreed upon by you and the insurer.
Who is eligible for Australia Post Gold Comprehensive Car Insurance?
An additional excess applies to drivers who:
- are under 21 years of age
- are aged between 21 and 24
- have not held a full Australian driver’s licence at least 2 years
Drivers under the age of 30 may not be eligible for coverage, depending on the type of vehicle.
Drivers who are not listed on the insurance certificate will have to pay additional excess.
Exclusions to be aware of
Even a comprehensive policy cannot cover every possible circumstance. That’s why it’s important to know about general exclusions and conditions where you might not be covered. These include:
- if the person driving your car at the time of the accident is not listed on the insurance certificate
- if the driver is under the influence of alcohol or drugs
- If you were hiring out your car for money or using your car to receive payment (for example, being paid to deliver goods)
There are also circumstances where you will not receive payment for damages to your car. These include:
- Tyre damage. Australia Post will not cover any tyre damage caused by punctures, cuts or general wear and tear.
- Bodily injuries. You will not be covered for the costs of treating physical injuries sustained during a crash.
Australia Post will pay for your legal costs in the event that it agrees to pay a claim and legal representation is required.
Other things to know
You should be aware of the following:
- Cooling-off period. The policy is fully refundable if you haven’t made any claims and you cancel within 21 days of purchase.
- Uninsured motorist damage. If you are involved in a no-fault accident with an uninsured driver, Australia Post will cover up to $3,000 worth of damage or the cost of the car. You must report the accident to the police.
- Repayments. You can choose to make your repayments monthly or annually.
- Your choice of repairer. Australia Post can choose a repairer for you, or you can pick your own (Australia Post may dispute your choice of repairer if it determines the quote for repairs is unreasonably high).