Review and compare Australia Post Car Insurance
Whether you’re a keen driver or you only use your car when it’s absolutely necessary, the importance of having the right car insurance in place should not be underestimated. From expensive accidents to the danger of thieves, there’s a whole host of things that can go wrong on the road and leave you in a dire financial situation.
Car insurance provides financial protection when you need it most, and Australia Post Car Insurance offers a range of policies to give you the peace of mind you need to drive with confidence. With insurance underwritten by Auto & General Insurance Company Ltd, Australia Post offers three competitive policies for Australian drivers:
- Gold Comprehensive
- Third Party Fire/Theft
- Third Party Property
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Compare three levels of cover offered by Australia Post and apply securely online
If you’re looking for motor vehicle insurance, Australia Post Car Insurance offers the following three options to suit drivers with different budgets and insurance needs:
Australia Post Gold Comprehensive
Australia Post Gold Comprehensive Car Insurance provides cover for loss or damage to your car caused by accident, fire and theft. You’re also covered when you’re at fault for causing damage to other people’s property.
Australia Post Gold Comprehensive Car Insurance allows you to take out cover for your vehicle up to the value you insure it to. So when your car suffers damage or loss caused by:
- Your personal effects and trailer are also covered in the event of a collision, while new car replacement is also provided.
- When you are liable for your car causing damage to other people’s property, this policy will also ensure that you are protected.
Australia Post Third Party Fire/Theft
A more affordable policy option than a Comprehensive Plan, Australia Post Third Party Fire/Theft Car Insurance provides essential cover when your car is stolen or catches fire, as well as in situations where you cause at-fault damage to someone else’s vehicle. This policy is designed for the owners of cars valued a less than $20,000.
Australia Post Third Party Fire/Theft Car Insurance cover includes:
- your liability for damage your car causes to property owned by a third party
- limited cover when your car is damaged in a not-at-fault accident with an uninsured vehicle
- if your car is stolen or catches fire. However, items stolen from your car are not covered.
Australia Post Third Party Property
This basic policy is designed for customers who want to minimise the amount they spend on their car insurance. If you’re at fault when your car causes damage to someone else’s property, this policy covers the cost of their repairs.
This is the cheapest policy option from Australia Post Car Insurance and it covers your:
- liability for damage your car causes to other people’s property
- damage to your car in a not-at-fault accident with an uninsured vehicle.
|Included benefits||Gold Comprehensive||3rd Party Fire/Theft||3rd Party Property|
|$1,000 for collision damage to your caravan or trailer|
|$1,000 for the replacement of keys|
|$5,000 death benefit|
|Damage or theft of baby capsules or child seats/ in your car - max $500|
|Debris removal - max $500|
|Emergency overnight accommodation and transport - $100 per day, max $850 in total|
|Hire vehicle if your car is stolen for the lesser of 14 days or max $1,000|
|New car replacement - under 40,000kms or two years (24 months)|
|No claim discount preserved when not at fault|
|No excess when not at fault|
|Personal effects max $500|
|Damage to third party|
|Uninsured motorist damage|
|Accident car hire|
|Agreed value or market value|
|No claim protection|
|Restricted driver discounts|
|Variable excess to reduce premium|
|Windscreen excess reduction|
A number of important factors can impact the cost of your Australia Post Car Insurance premiums, including:
- How old are you? Younger drivers are less experienced than their older counterparts and typically more likely to be involved in an accident.
- What type of car do you drive? Some cars are more expensive and more powerful than others, while certain cars are also more likely to be targeted by thieves.
- Where do you park your car? The postcode where your car is kept can influence the cost of cover, as ‘safe’ suburbs have a lower risk of theft than high-crime areas. Keeping your car garaged overnight instead of parked on the street can also lower your premiums.
- How often do you drive? How often you drive your car and where you drive it will impact on the cost of your cover.
- Does your car have an alarm? A car with a state of the art alarm system will be less likely to be stolen than the same model without any protection against thieves.
- How is your driving history? The previous infringements, accidents and claims history of you and any other drivers of your vehicle will be considered by Australia Post Car Insurance when calculating your premiums.
When you make a car insurance claim, you’ll need to contribute to the cost of your claim by paying an excess. Under an Australia Post Car Insurance policy, you’ll need to pay the basic excess plus any other additional excess listed in your certificate of insurance.
However, if you are involved in a no-fault accident with another vehicle and the cost of your claim exceeds the basic excess amount, you will not have to pay any excess.Back to top
- Do you park in a secure location? A car parked on the street is much more likely to suffer damage than one that is kept in a secure garage overnight. This discrepancy will be reflected in the cost of your cover.
- I'm a safe driver, does that help? Get rewarded for driving safely. Australia Post Car Insurance offers a No Claims Discount to policyholders with savings on the cost of cover for every year they do not make a claim.
- I don't have an alarm, do I need one? Install a security system. Something as simple as installing a security alarm system for your vehicle can substantially reduce the cost of your premiums.
- Should I buy online? Customers who buy Australia Post Gold Comprehensive Car Insurance online can receive a 25% discount*.
- I'm thinking about modifying my car, how will that affect my insurance? If you want to save on your insurance, don't modify your car. Fitting non-standard accessories can cause your premium to rise, even if you do something as simple as fitting alloy wheels.
- Should I choose a higher excess? You’ll receive a lower premium in return.
- What happens if I limit the drivers? Nominating only a limited number of drivers on your policy will keep costs down, especially if you don’t nominate any drivers aged under 25 years.
Australia Post Car Insurance aims to make its claims process as easy and straightforward as possible. If you need to make a claim, simply call the insurer’s claims team on 1300 885 996. You can call between 8am and 8pm (AEST) Monday to Friday, or between 8am and 2pm on Saturday.
If you’re in an accident
- the first thing you need to do is ensure that everyone is safe and determine whether the emergency services need to be called.
- take photos of the accident scene if possible:
- If there are any witnesses, ask for their name, address and phone number as well.
- Contact the Australia Post Car Insurance claims team.
Just like any insurance policy, Australia Post Car Insurance has a set of circumstances when it will not pay your claim. These general exclusions include:
- the car was being driven by any household member not listed on your certificate of insurance
- the car was being driven by any driver excluded from cover
- the car was being driven by anyone without your consent, except where you take all steps required by the relevant authority to prosecute the person(s) responsible
- if the driver did not hold a valid Australian licence
- if the driver was under the influence of alcohol or drugs, or if the driver refused to undergo drug or alcohol testing
- if the vehicle was used to carry passengers or goods in exchange for payment
- if the vehicle was used in connection with the motor trade other than for commercial servicing or repairs
- if the vehicle was being used for racing, trials or rallies
- if the vehicle was being used for any unlawful purpose
- if the vehicle was un-roadworthy or overloaded
- if the car was being used to transport toxic, explosive, corrosive or flammable goods
- if you do not go with the car when it is shown for sale and the vehicle is stolen
- if the driver did not remain at the scene of an accident when required to do so by law
- if the claim is for any reduction in the value of the car following repairs
- if the claim is for tyre damage caused by punctures, cuts or bursts
- if the claim is for consequential loss
- if the claim is for rust, corrosion or general wear and tear
- if the claim is for loss, damage or liability caused by an intentional act by you or someone else acting on your behalf
- if it is caused by the discharge or escape of oil or coolant, except if caused by a collision
- if it results from repossession or confiscation by any government authority
- if the claim arises because of your use of the incorrect fuel.
Q. How do I know what level of cover is right for me?
- A. The best way to determine the right level of cover is to consider how you would manage financially if certain risks were to become reality and leave you facing hefty expenses. Next, compare the coverage offered by a range of policies and how they fit into your budget before you pick the perfect policy for your needs.
Q. What’s the difference between an agreed value policy and a market value policy?
- A. A market value policy insures your car for what it’s currently worth on the market, while an agreed value policy requires you and the insurer to agree on a fair amount.
Q. My car is parked on the street overnight - should I lie and say it’s kept garaged?
- A. No. You have a duty of disclosure to relate any relevant information to your insurer when you apply for cover. If you’re not upfront and honest about everything, your claim could be reduced or even refused.
Q. What happens if I buy a new car?
- A. Your cover for your old car will end, but your new car will have the same cover as your old car for 14 days or until you arrange a new policy.
Now ask yourself, is this cover right for me?
If you’re looking for affordable insurance, Australia Post Car Insurance have three policies for you to choose from. However, you’ll need to make sure to compare all your options before you decide on the cover that is right for your vehicle and your wallet.
*Subject to terms and conditions