Australia Post car insurance review

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

Gary Ross Hunter's headshot
Peta Taylor's headshot

By

Gary Ross Hunter

&

Peta Taylor

Edited by

Jason Loewenthal

Updated

Fact checked

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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?

Price

According to our research, Australia Post is one of the more expensive providers. See below for how it compares to other popular insurers.

InsurerNSWQLDSATASVICWAAustralia averageApply
Australia Post$3,272$1,737$2,051$1,758$2,977$2,353$2,358More info
$2,209$1,768$1,687$1,672$2,363$1,759$1,910Get quote
youi$2,417$1,963$1,734$1,827$2,406$2,134$2,080Get quote
NRMA logo$2,150$1,472$1,362$1,236N/A$1,440$1,532More info
AAMI$2,261$1,468$1,317$1,349$1,772$1,713$1,647More info

About our car insurance methodology

Customer reviews

Australia Post is reliable and excellent brand, it is reputable and offers competitive and comprehensive rates and prices.

Australia Post car insurance user, VIC

Australia Post car insurance user, VIC

They have really good policies and are easy to communicate with.

Australia Post car insurance user, SA

Australia Post car insurance user, SA

Australia Post car insurance is quick and easy to apply with, has great prices, and doesn't cost much more if you chose to pay monthly like I did. I was really impressed with how easy it was to sign up, and was even more impressed at the discount I got on my cover for applying online. Totally recommend them.

Australia Post car insurance user, VIC

Australia Post car insurance user, VIC

Compare Australia Post policies

Product Finder Score Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
Australia Post logo
Finder Score
6.9 Standard
Australia Post Comprehensive
Finder Score
6.9 Standard
Optional
Agreed or Market
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 $75 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.
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Australia Post logo
Finder Score
Not yet rated
Australia Post Third Party Property Damage
Finder Score
Not yet rated
N/A
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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 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

FAQs about Australia Post car insurance

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Jason Loewenthal's headshot
To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.
Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 590 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
Peta Taylor's headshot
Co-written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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2 Responses

    Default Gravatar
    DijanaFebruary 24, 2025

    I am looking for car comprehensive insurance

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