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Australia Post Car Insurance

Choose from 3 levels of cover with 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 policy in place should not be underestimated. From expensive accidents to the risk 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

Save 15% on Australia Post Car Insurance

Save 15%* on Gold Comprehensive car insurance when you purchase cover online.

Compare three levels of cover offered by Australia Post and apply securely online

Details Features
Gold Comprehensive
Gold Comprehensive
Save 15% on Gold Comprehensive when you purchase online. Optional 24/7 roadside assistance with unlimited callouts.
  • New for old replacement for the earlier of 2 years/40,000kms
  • $850 ($100/day) emergency transport and accommodation
  • Cover for replacement of keys up to $500
Get Quote More info
Third Party Fire and Theft
Third Party Fire and Theft
Cover for your car against damage by fire and theft. Get discount for restricted drivers. Optional 24/7 roadside assistance with unlimited callouts.
  • Fire and theft cover
  • $3,000 cover for damaged by an uninsured driver if not at fault
  • Liability cover for your car's damage to third party property
Get Quote More info
Third Party Property
Third Party Property
Cover for your car against damage to other peoples property. Get discount for restricted drivers and optional 24/7 roadside assistance with unlimited callouts.
  • Liability cover for your car's damage to third party property
  • $3,000 cover for damaged by an uninsured driver if not at fault
  • Lifetime guarantee on repairs
Get Quote More info

What are the different policy options?

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 of or damage to your car caused by accident, fire and theft. You’re also covered when you’re at fault for causing damage to another person's property.

Australia Post Gold Comprehensive Car Insurance allows you to insure your vehicle up to the value you that you choose. You can make a claim when your car suffers damage or loss caused by:

  • storm
  • flood
  • hail
  • collision
  • attempted theft or a malicious act

Your personal effects and trailer are also covered in the event of a collision and a new car replacement is also provided. When you are liable for your car causing damage to another person's property, this policy will also ensure that you are protected.

Australia Post Third Party Fire/Theft

A more affordable option, the Australia Post Third Party Fire/Theft Car Insurance policy provides essential cover when your car is stolen or damaged by fire. You will also be covered when you cause at-fault damage to someone else’s vehicle or property. This policy is designed for the owners of cars valued at less than $20,000.

Australia Post Third Party Fire/Theft Car Insurance covers:

  • your liability for damage your car causes to property owned by a third party
  • damage to your own car in a not-at-fault accident with an uninsured vehicle
  • the theft of your car (however, items stolen from your car are not covered)
  • damage from fire

Australia Post Third Party Property

This basic policy is designed for customers who want to minimise the amount that 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 most affordable policy option from Australia Post Car Insurance and it covers:

  • 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 benefitsGold ComprehensiveThird Party Fire/TheftThird Party Property
$1,000 for collision damage to your caravan or trailer 
  • Yes
$1,000 for the replacement of keys
  • Yes
$5,000 death benefit
  • Yes
Damage or theft of baby capsules or child seats in your car (max $500)
  • Yes
Debris removal (max $500)
  • Yes
Emergency overnight accommodation and transport ($100 per day, max $850 in total)
  • Yes
Hire vehicle if your car is stolen (for the lesser of either 14 days or max $1,000)
  • Yes
  • Yes
New car replacement (under 40,000kms or two years) 
  • Yes
No-claim discount preserved when not at fault
  • Yes
No excess when not at fault
  • Yes
Personal effects (max $500)
  • Yes
Damage to third party 
  • Yes
  • Yes
  • Yes
Uninsured motorist damage
  • Yes
  • Yes
Optional benefits
Accident car hire 
  • Yes
Agreed value or market value
  • Yes
No-claim protection
  • Yes
24/7 roadside assistance
  • Yes
  • Yes
  • Yes
Restricted driver discounts
  • Yes
  • Yes
  • Yes
Variable excess to reduce premium
  • Yes
Windscreen excess reduction
  • Yes
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How much does it cost?

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 older drivers 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.
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What is the excess and what does it do?

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 excesses listed on 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.

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How can I save money on my policy?

  • Is my parking location secure? A car parked on the street is much more likely to suffer damage than one that is kept in a secure garage overnight. This 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, which offers savings for every year you 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 15% 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 it's 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.
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How do I make a claim

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 claims team on 1300 885 996. You can call from 8am-8pm (AEST) Monday-Friday, or from 8am-2pm (AEST) 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.
  • Take down the details of anyone else involved, including:
      • name
      • contact information
      • rego details
      • licence number
      • insurance information
  • If there are any witnesses, ask for their name, address and phone number as well.
  • Contact the Australia Post Car Insurance claims team.
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Why was my claim rejected?

Just like any insurance policy, Australia Post Car Insurance has a set of circumstances in which it will not pay your claim, including:

  • If the car was being driven by any household member not listed on your certificate of insurance.
  • If the car was being driven by any driver excluded from cover.
  • If the car was being driven by anyone without your consent, except where you take all steps required by the relevant authorities 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 car was used to carry passengers or goods in exchange for payment.
  • If the car was used in connection with the motor trade other than for commercial servicing or repairs.
  • If the car was being used for racing, trials or rallies.
  • If the car was being used for any unlawful purpose.
  • If the car was unroadworthy or overloaded.
  • If the car was being used to transport toxic, explosive, corrosive or flammable goods.
  • If you do not remain with the car when it is being 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 the repossession or confiscation of your car by any government authority.
  • If the claim arises because of your use of the incorrect fuel.
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Australia Post Car Insurance FAQs

Q. How do I know what level of cover is right for me?

  • A. One way to determine the right level of cover is to consider how you would manage financially if certain risks were to become a reality. Next, compare the coverage offered by different policies and determine how those policies would fit into your budget. By balancing your insurance needs with what you can afford, you should be able to find the right level of cover.

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 in a garage?

  • 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 and your new car will have the same cover as your old car for 14 days or until you arrange a new policy.
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Now ask yourself, is this cover right for me?

If you’re looking for affordable insurance, Australia Post Car Insurance has three policies for you to choose from. However, you’ll need to make sure to compare all your options before you decide on the car insurance policy that is right for your vehicle and your wallet.

*Subject to terms and conditions

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