Purpose-built cover for Tesla drivers, with excess-free glass and charging benefits you won't find on a standard policy. The catch is it's only available for two models.
InsureMyTesla is only available for Tesla Model 3 and Model Y. Other Teslas and EV brands aren't eligible for this cover.
Comprehensive cover includes excess-free windscreen and glass claims with no limit on how many you make.
Charging-related cover is the standout, including battery damage caused by charging and up to $5,000 for stolen or damaged charging cables.
Pros
Excess-free windscreen and glass cover on every panel, with no cap on the number of claims per policy period.
Charging cover is available, a feature a standard policy won't match. It includes damage to your Tesla from a faulty charger and battery damage caused by charging.
Repairs are handled through Zurich's authorised Tesla specialist network, with a workmanship guarantee for the life of the car.
Cons
Only Model 3 and Model Y are eligible, so Model S, Model X don’t qualify for cover.
You can't nominate your own repairer, which can be a dealbreaker for drivers who have their preferred mechanics.
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Finder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
Zurich is Tesla's preferred insurance partner in Australia, and InsureMyTesla is built around the car rather than adapted from a generic motor policy. Here's what comprehensive cover includes:
Excess-free windscreen and glass. Every windscreen and glass panel on your Model 3 or Y is covered with no excess, provided the car hasn't suffered other damage at the same time. There's also no limit on the number of claims in a policy period.
Charging accessories. Up to $5,000 per policy period for damage to or theft of charging cables and adaptors you own, whether they're stored in the car or in use.
Battery damage from charging. Zurich will repair or replace your battery if it's damaged as a result of charging, even if the rest of the car is undamaged.
Damage from faulty chargers. If your own wall charger or charging accessory malfunctions and damages the car, that's covered too.
New car replacement. If your Tesla is stolen and not recovered, or written off within 2 years of first registration, Zurich replaces it with the same model and series. That extends to 4 years if you insured it with Zurich in the first 2 years and held a continuous policy, as long as it's under 100,000km.
Hire car benefits. Up to $150 a day if your car is damaged in an accident that wasn't your fault, and the same rate for up to 30 days after a theft.
Lifetime repair guarantee. Zurich guarantees the workmanship on any repair it approves for as long as you own the car.
$20 million third party liability. Plus separate cover of up to $10 million for liability arising from charging your car.
Agreed or market value. You choose which applies at the time you take out the policy, along with your basic excess level.
Smaller extras that add up. $2,500 to complete a disrupted journey, $1,000 for the driver's personal property, $5,000 towards family travel and accommodation if the driver is hospitalised, and $2,000 for a two-wheel or box trailer.
What's not covered with an InsureMyTesla policy?
Like any policy, there are gaps worth knowing about before you buy:
Rideshare, delivery and hire work. If you drive for Uber, deliver food or otherwise carry passengers or goods for payment, you're not covered.
Mechanical and electrical breakdown. Faulty design or workmanship, structural, electrical, mechanical or electronic failure, are all excluded from cover.
Autopilot. Zurich won't cover loss or damage where the driver wasn't in control of the car as required by state or territory law.
How to make a claim
Claims are lodged online through the MyZurich portal, or by phone on 1800 319 284 if you'd rather talk to someone:
Log in to the MyZurich portal. Claims can be submitted 24/7 through the InsureMyTesla Hub.
Have your details ready. You'll need your policy number, driver and vehicle details for everyone involved, details of the incident and your contact details.
Wait for your confirmation. Zurich sends a claim reference number and assigns a dedicated Claims Advisor to your claim.
Book your repair quote. Open the Tesla app, go to 'Collision & Glass' and request a service under 'Collision Repair' to book with a Tesla Service Centre or authorised network repairer near you.
Zurich assesses and authorises. Your Claims Advisor keeps you updated through to settlement.
Pay your excess. Zurich will tell you whether to pay it to them or to the repairer. If the car is a total loss, it's usually deducted from your payout.
Important: Glass-only claims skip most of this. Book the repair through the Tesla app or call Customer Care, and Zurich pays the repairer directly with no claim form needed.
If your car can't be driven after an accident and you hold comprehensive cover, call Zurich and they'll arrange towing.
FAQs about Zurich InsureMyTesla
Only the Model 3 and Model Y. If you drive a Model S, Model X or Cybertruck, you'll need a standard comprehensive policy from another insurer.
If new vehicle replacement doesn't apply, Zurich pays out the agreed or market value and settles with your financier first. If you owe more than the car is worth, Zurich covers the shortfall up to 30% of the car's value.
Yes, and you won't pay an excess or fill in a claim form. Book it through the Tesla app or call 1800 319 284.
Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University.
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