Australia Post's legal liability cover of up to $30,000,000 is higher than many other providers.
Australia Post offers a comparatively generous new car replacement period of up to 3 years (or 60,000km) on brand new vehicles. This is better than many other insurers who offer a new car replacement for up to 2 years.
Australia Post's standard comprehensive car insurance policy includes excess-free repairs to your damaged windscreen. This is only an optional extra for many other policies.
Cons
The product disclosure statement (PDS) includes vague terminology like "reasonable costs" which can make it hard to understand the limits of your coverage.
Roadside assistance is not available via Australia Post so you'd have to purchase this separately if you wanted it.
The excess-free windscreen cover only applies if the windscreen can be repaired. If it needs to be replaced, this won't be covered under the standard comprehensive policy.
How does Australia Post compare with other car insurers?
As part of our 2023 Finder Car Insurance Awards, our experts compared over 30 comprehensive car insurance policies. This included analysing over 640 features and comparing 1,000+ quotes. Here's how Australia Post compared to other popular insurers.
Features
Australia Post's comprehensive car insurance policy offers competitive coverage with higher feature limits than other insurers. Some highlights include Up to $1,000 coverage for personal effects (other popular insurers only cover up to $500 or $750), excess-free windscreen damage coverage (this is an optional add-on for others) and generous limits around new car replacements.
We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.
According to our research, Australia Post offers mid-level to higher pricing. Of the 32 eligible comprehensive policies we analysed, Australia Post was cheaper than 12 of them and more expensive than 19. See below for how it compares to other popular insurers.
Australia Post is reliable and excellent brand, it is reputable and offers competitive and comprehensive rates and prices.
Australia Post car insurance user, VIC
They have really good policies and are easy to communicate with.
Australia Post car insurance user, SA
Australia Post car insurance is quick and easy to apply with, has great prices, and doesn't cost much more if you chose to pay monthly like I did. I was really impressed with how easy it was to sign up, and was even more impressed at the discount I got on my cover for applying online. Totally recommend them.
Australia Post car insurance user, VIC
Compare Australia Post policies
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See below for some key features of Australia Post's comprehensive policy. See the PDS for limits, exclusions and T&Cs.
Accidental damage
Storm
Agreed or market value
Key replacement
Fire and theft cover
Hire car after theft
Emergency transport, accommodation and repairs
Legal liability
Towing
Lifetime guarantee on authorised repairs
New car replacement if yours is written off in the first 3 years and hasn't travelled more than 60,000km
Trailer cover
Personal effects coverage up to $1,000
Third party property damage
See below for some key features of Australia Post's third party property damage policy. Be sure to read the PDS to understand the limits and exclusions of each feature.
Lifetime guarantee on authorised repairs
Legal liability up to $30,000,000
Fire and theft can be added to this policy as an optional extra. With this added, the following cover would be included:
Fire and theft damage
Hire car after theft
Towing
What additional cover options are available?
Hire car after accident
Choice of repairer
FAQs about Australia Post car insurance
Australia Post is underwritten by QBE Insurance (Australia) Ltd.
If you change your mind about the policy and haven't made a claim, you can cancel it within 21 daysof the start or renewal date and Australia Post will give you a full refund.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 648 Finder guides across topics including:
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio
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