Australia Post - Gold Comprehensive Car Insurance

Discounts and excesses

• Monthly premiums available

  costs extra

• Choice of excess

  $650 - $1,850

• Young driver excess imposed

  $700 for listed drivers under 21 or $500 under 24. $500 for unlisted drivers. Over 24: $300 if less than 2 years licensed.

• Maximum no claim discount table

  not disclosed (TAS)
  not disclosed (NT)
  not disclosed (SA)
  not disclosed (QLD)
  not disclosed (ACT)
  not disclosed (WA)
  not disclosed (VIC)
  not disclosed (NSW)

• Maximum no claim discount term

  5 years

• Online discount

  15%

• Multi policy discount

  none

• No claim discount

  Maximum no claim discount is protected for life against no-fault claims after 2 years at maximum no claim discount level. Others can purchase protection for extra premium.

• Discounts available

  No claim discount

Service features

• Roadside assistance

  Optional Extra

• Choice of repairer

• Claims service 24 7

• Other benefits

  none

• Other restrictions

  none

Coverage summary

• Agreed or market value

  Agreed or Market

• New car if written off

  if under 24 months or 40,000km.

• Personal property cover

  Up to $500 cover when car damaged.

• Windscreen cover

  Covered. Can pay extra premium to reduce windscreen excess to $40.

• Emergency repairs without assessment

  Up to $500

• Emergency options

  Reasonable towing cost. Up to $100 per day for transport and accomodation ($850 total)

• Rental car after theft

  - 14 days. Max $1,000 total.

• Rental car after accident

  Optional extra - Provided by insurer for up to 14 days

• Rental car liability

  Legal liability cover when using a substitute/hire vehicle

• Trailer or caravan cover

  Up to $1,000 excluding contents of both trailer and caravan.

• Replacement keys

  Up to $1,000 if stolen

• Baby capsule or seats

  Up to $500 cover for damage to or theft of child seat or baby capsule.

• Modifications

  Covered only if agreed in writing.

• Accidental death cover for driver

  Up to $5,000 if within 12 months of accident.