Rates and fees verified as correct at 20 September, 2021. Other information correct at the time of writing. Advertiser disclosure.
|Product||Monthly premiums available||Maximum no claim discount||Online discount||Choice of repairer|
|Comprehensive Car Insurance|| |
Yes costs extra
|Go to site|
In addition to their postal activity, Australia Post offers car insurance across the full spectrum of coverage. Their comprehensive car insurance and third party property policy is available across the country, and they also provide compulsory third party (CTP) insurance in NSW.
Australia Post offers generous coverage limits on a wide range of events and items. Their hire car cover is a particularly useful part of the policy, as it covers you for a rental for 14 days after a theft or an accident where you’re not at fault puts your car out of action (you’ll often see post-accident cover only as an option extra).
Plus, if you write-off your car, AusPost will replace it with a new car of comparable make and value, so long as your old wheels were under 3 years old and had travelled less than 60,000km.
Other standard cover for AustPost car insurance includes:
Up to $1,000 of personal property cover for items inside your car
Up to $1,000 cover for emergency travel and accommodation (when you’re more than 100km away from home)
Excess-free windscreen repairs (replacements will come with an excess unless you opt-in for excess-free cover as an extra for an additional fee)
Up to $1,000 for caravan and trailer cover
You might want to include some optional extras to tailor your car insurance policy to fit your needs. As mentioned, optional extras include hire car coverage after an at-fault accident, excess-free windscreen replacements and having your own choice of repairer.
Basically, a car insurance premium reflects how likely the insurance company thinks it is that you will make a claim. Generally, the more likely they calculate this to be, the more you’ll be charged. Some of the factors that may influence your Australia Post car insurance premium include:
What car you drive. This may include the quality, age, any modifications and even the colour of your car.
Where you park. Your premiums may be lowered if you park your car in a garage or securely on your property, as this is considered safer than parking on the street where it might be accidentally or maliciously damaged.
Where you live. Your premium might be higher if you live in an area prone to vandalism or accidents on the road, or somewhere that has a high rate of traffic infringements.
Your age and driving experience. Young drivers or those with only a few years experience behind the wheel often pay higher insurance premiums. This is because, statistically, they are more likely to be involved in a road accident. If you have these drivers listed on your policy you will also likely see a premium bump-up.
Your gender. Men are statistically more likely to be involved in a collision, and also cause more costly damage to their own and other vehicles. Therefore, their premiums are often higher.
When you’re in an accident or something goes wrong with your vehicle, you may need to make a claim on your Australia Post car insurance.
When you’re making a claim, you’ll want to have the following information at hand to help things be processed more efficiently:
The name, address, phone number, car registration and insurance details of any drivers involved in the accident (including you)
The name and contact details of any witnesses
Details of the incident, the road conditions at the time and any photos of damages to the involved vehicles or property
A police report, if applicable
Usually, Australia Post premiums are paid upfront as an annual sum. However, you can opt to pay monthly – just keep in mind it costs extra for this flexibility.
With an Australia Post car insurance policy you can choose between low or high excess, depending on what will suit your budget. Just remember that if you opt for low excess, you’ll pay a higher premium and vice versa.
When you take out a car insurance policy with Australia post, you’ll have the choice between insuring your car for its market or agreed value. A market value reflects the price you would likely be able to sell your car for currently, while an agreed value is a figure you and the insurance company decide on.
Most people who opt for an agreed value are looking to insure their car for more than the market assessment, and this will normally come with a higher price tag. Some reasons for doing this might be because the car has modifications, is a classic or vintage car, is very new or has sentimental value.
Whatever valuation you choose, you want to make sure your car is covered to its proper worth, so if it comes to replacing the vehicle your insurance can cover the full cost.
No, roadside assistance is not offered through Australia Post car insurance policies or as a standalone product. If you would like this extra cover, you’ll need to take it out separately with another insurance company.
Mozo users have rated Australia Post car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
Trying to make a $250 claim on my car insurance was the single worst Insurance experience i have had in 33 years of being a rating 1 driver. I was treated like a disobedient teenager and they simply looked and looked for a reason not to honour my claim. It was easier and cheaper to settle the matter privately.Read full review
Trying to make a $250 claim on my car insurance was the single worst Insurance experience i have had in 33 years of being a rating 1 driver. I was treated like a disobedient teenager and they simply looked and looked for a reason not to honour my claim. It was easier and cheaper to settle the matter privately.
On the whole they were what I could afford, so you get what you pay for.Read full review
On the whole they were what I could afford, so you get what you pay for.
Very cheap, although have not had to claim with them so far.Read full review
Very cheap, although have not had to claim with them so far.
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