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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?
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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
Australia Post is reliable and excellent brand, it is reputable and offers competitive and comprehensive rates and prices.
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 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
Compare Australia Post policies
Deal
Get $100 off your first year's premium when you buy online
Expires 1 Feb 2024
Get $100 on your first year’s comprehensive car insurance premium when you buy online. T&Cs apply.
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 million
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
We're free
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
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.
We're independent
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.
We're here to help
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
Australia Post is underwritten by QBE Insurance.
If you change your mind about the policy and haven't made a claim, you can cancel it within 21 days of the start or renewal date and Australia Post will give you a full refund.
Australia Post car insurance PDS (accessed August 2023)
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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