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Australia Post Car Insurance

Australia Post offers Australians a range of car insurance policies to meet drivers’ different needs. Read our review to learn more about its products! 

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, updated on February 16th, 2024       

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Australia Post is Australia’s postal services provider, also offering a number of money and insurance services to customers in Australia. Underwritten by QBE, Australia Post’s car insurance policies aim to offer offers flexible cover at competitive prices, whether you want basic protection or more extensive coverage.

We take a look at Australia Post’s car insurance products in this review so you can understand your options. Find out about the types of insurance on offer, what is and isn’t covered and the optional extras you can add today!

Disclaimer: all coverage offered by Australia Post is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact Australia Post if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent Australia Post for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

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What car insurance policies are available through Australia Post?

Australia Post offers the following types of car insurance to Australian drivers:

Comprehensive Car Insurance

Comprehensive coverage offers the most extensive list of inclusions among the different types of cover – though it also tends to be the most expensive. Australia Post’s Comprehensive Car Insurance offers the following inclusions:

  • Coverage for accidental loss or damage to your car resulting from incidents including collisions, theft or attempted theft, fire or explosion, weather events like hail or flood, and malicious damage
  • Replacement baby capsules and child seats if damaged or stolen from your car
  • Up to $1,000 for damaged or stolen personal items inside your car
  • Up to $100 for travel costs if the incident occurs over 100km from home
  • Up to $1,000 emergency accommodation and transport costs if more than 100km from home
  • Towing to the nearest repairer or safe location and reasonable storage costs
  • Hire car after a not-at-fault accident until repairs are completed or your claim is settled
  • Hire car after theft or attempted theft for up to 14 days
  • Up to $500 for essential temporary repairs to get your car back on the road
  • Up to $1,000 for stolen or damaged trailers attached to your car
  • Replacement car keys after theft (excess payable)
  • Policy cover automatically transferred to a replacement car for up to 14 days
  • ‘No excess’ windscreen, sunroof or window glass repair (not replacement)
  • Legal liability up to $30 million
  • Car replacement after a write-off if less than 3 years old
Third Party Property Damage Car Insurance

Third-party car insurance offers a more basic level of cover than comprehensive plans. Australia Post’s Third Party Property Damage Car Insurance includes:

  • Coverage for damage caused to other people’s property, rather than to your own vehicle
  • Up to $30 million for legal liability that arises from damage to someone else’s property caused by the use of your car
  • Up to $5,000 for uninsured driver damage
  • Automatic transfer of cover after changing your car, up to 14 days

You can choose to add Fire and Theft cover to your policy, which has the following additional inclusions:

  • Coverage for loss of or damage to your car caused by fire, theft or attempted theft
  • Replacement baby capsules and child seats if stolen or damaged by fire
  • Reasonable cost of towing your car to the nearest repairer or safe location and reasonable storage costs
  • Hire car after theft or attempted theft for up to 14 days
NSW CTP Green Slip Insurance

Compulsory Third Party (CTP) insurance is a mandatory form of insurance required for all vehicles in Australia, covering you for third-party compensation claims if you cause injury or death with your vehicle. In New South Wales, this type of insurance is known as a Green Slip. If you are a NSW resident, you can purchase Green Slip insurance through Australia Post. It will cover costs such as:

  • Medical expenses
  • Income replacement
  • Rehabilitation
  • Ongoing care

Are there any optional extras available through Australia Post?

Yes – Australia Post offers several optional extras on its Comprehensive Car Insurance policy, though these are not available on its third-party plans:

  • Choice of car repairer
  • ‘No excess’ windscreen, sunroof or window glass replacement
  • Hire car after incidents other than theft or not-at-fault accidents, up to 14 days

What are some of the pros and cons of buying car insurance through Australia Post?

  • High legal liability cover: legal liability cover on all plans is $30 million, which is higher than many other insurers.
  • Generous new car replacement limit: Australia Post will replace new cars written off within 3 years, while other insurers limit this to 2 years.
  • Choice of repairer: drivers can choose their own repairer as an added extra on comprehensive plans.
  • No roadside assistance: Australia Post does not offer roadside assistance either as a part of its car insurance plans or as a standalone service.
  • No personal effects cover on TPFT plans: personal effects damaged or stolen from your car are not covered under Third Party Fire and Theft plans.

Common questions about Australia Post car insurance

What types of excess could apply to my Australia Post car insurance policy?

When you make a claim, the following excesses may be applied:

  • Basic excess: applies to all claims unless certain conditions are met
  • Age excess: applies when the driver is under 25 and causes or contributes to the incident
  • Additional policy excess: may apply based on the car’s or driver’s insurance history
  • Additional driver excess: may apply based on the driver’s details and insurance history if they cause or contribute to the incident
Can I insure my car for its agreed value with Australia Post?

Yes – if you purchase Australia Post’s Comprehensive Car Insurance, you can choose to insure your car for its agreed value or its market value when you take out the policy. On third-party policies, you can only insure your car for its market value.

How do I make a car insurance claim with Australia Post?

You can lodge a claim at anytime using QBE’s online claims form or by calling the dedicated phone number. The QBE claims form can be accessed via the auspost.com website. When making a claim, you will need to provide:

  • Your policy number
  • Details about what happened
  • Details of other people involved
Can I get any discounts on my Australia Post car insurance?

As of July 2023, you can get $75 off your first year’s premium if you buy Comprehensive Car Insurance online.

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Disclaimer:

Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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