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Australia Post car insurance review

Australia Post covers more than its competitors. However, it's typically more expensive than other budget insurers.

Australia Post

Our verdict

Pros

  • Australia Post's legal liability cover of up to $30,000,000 is higher than many other providers.
  • Australia Post offers a comparatively generous new car replacement period of up to 3 years (or 60,000km) on brand new vehicles. This is better than many other insurers who offer a new car replacement for up to 2 years.
  • Australia Post's standard comprehensive car insurance policy includes excess-free repairs to your damaged windscreen. This is only an optional extra for many other policies.

Cons

  • The product disclosure statement (PDS) includes vague terminology like "reasonable costs" which can make it hard to understand the limits of your coverage.
  • Roadside assistance is not available via Australia Post so you'd have to purchase this separately if you wanted it.
  • The excess-free windscreen cover only applies if the windscreen can be repaired. If it needs to be replaced, this won't be covered under the standard comprehensive policy.

How does Australia Post compare with other car insurers?

As part of our 2023 Finder Car Insurance Awards, our experts compared over 30 comprehensive car insurance policies. This included analysing over 640 features and comparing 1,000+ quotes. Here's how Australia Post compared to other popular insurers.

Features

Australia Post's comprehensive car insurance policy offers competitive coverage with higher feature limits than other insurers. Some highlights include Up to $1,000 coverage for personal effects (other popular insurers only cover up to $500 or $750), excess-free windscreen damage coverage (this is an optional add-on for others) and generous limits around new car replacements.

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Australia Post Comprehensive
Optional
  • If your car is written off in the first 3 years and has not travelled more than 60,000km
  • Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

    ⭐ Current offer: Get $100 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

    Who it might be good for: Multiple people using one car.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Youi Comprehensive
    Optional
  • If your car is written off or stolen in the first 2 years
  • Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

    Who it might be good for: Those who want good customer service with lots of inclusions.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
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    Price

    According to our research, Australia Post offers mid-level to higher pricing. Of the 32 eligible comprehensive policies we analysed, Australia Post was cheaper than 12 of them and more expensive than 19. See below for how it compares to other popular insurers.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Australia Post$2,113$1,046$1,224$1,065$1,470$1,412$1,388Get quote
    Budget Direct Logo$1,280$921$940$861$1,164$857$1,004Get quote
    youi$1,418$1,147$946$877$1,467$1,068$1,154Get quote
    NRMA logo$1,972$1,108$1,009$878N/A$1,052$1,204More info
    AAMI$1,533$912$874$811$1,054$816$1,000More info

    About our car insurance methodology

    Customer reviews

    Compare Australia Post policies

    Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
    Australia Post Comprehensive
    Optional
    Agreed or Market
    Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

    ⭐ Current offer: Get $100 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

    Who it might be good for: Multiple people using one car.
    Australia Post Third Party Property Damage
    loading
    Deal

    Get $100 off your first year's premium when you buy online

    Get $100 on your first year’s comprehensive car insurance premium when you buy online. T&Cs apply.

    Australia Post policy options

    Comprehensive

    See below for some key features of Australia Post's comprehensive policy. See the PDS for limits, exclusions and T&Cs.

    • Accidental damage
    • Storm
    • Agreed or market value
    • Key replacement
    • Fire and theft cover
    • Hire car after theft
    • Emergency transport, accommodation and repairs
    • Legal liability
    • Towing
    • Lifetime guarantee on authorised repairs
    • New car replacement if yours is written off in the first 3 years and hasn't travelled more than 60,000km
    • Trailer cover
    • Personal effects coverage up to $1,000

    Third party property damage

    See below for some key features of Australia Post's third party property damage policy. Be sure to read the PDS to understand the limits and exclusions of each feature.

    • Lifetime guarantee on authorised repairs
    • Legal liability up to $30,000,000

    Fire and theft can be added to this policy as an optional extra. With this added, the following cover would be included:

    • Fire and theft damage
    • Hire car after theft
    • Towing

    What additional cover options are available?

    • Hire car after accident
    • Choice of repairer

    Why you can trust Finder's car insurance experts

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    Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
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    Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
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    Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

    FAQs about Australia Post car insurance

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