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, $500 for listed drivers under 24, $500 for unlisted drivers, $300 for inexperienced drivers over 24.

• 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

  Optional Extra

• Claims service 24 7

• Other benefits

  none

• Other restrictions

  none

Coverage summary

• Agreed or market value

  Agreed or Market

• New car if written off

  - within 2 years and 40,000 km of original registration

• Personal property cover

  Up to $500 if damaged.

• Windscreen cover

  Yes - standard excess. Option to reduce windscreen excess to $40 for an additional premium.

• Emergency repairs without assessment

  Up to $500

• Emergency options

  Reasonable towing costs. Up to $850 travel and accommodation costs (max $100 per day).

• Rental car after theft

  - Up to 14 days, max $1,000 total.

• Rental car after accident

  Optional Extra - Up to 14 days.

• Rental car liability

  Yes - legal liability cover when using a substitute vehicle.

• Trailer or caravan cover

  Up to $1,000 excluding contents.

• Replacement keys

  Up to $1,000 if stolen.

• Baby capsule or seats

  Up to $500

• Modifications

  Covered only if agreed in writing.

• Accidental death cover for driver