With countless options, perplexing terminology, and the ongoing fear of overspending, navigating auto insurance can feel like navigating a maze. Here comes Australia Post Auto Insurance, a service that offers cheap cost along with the dependability of a reputable company. Is it, however, a good fit for you? To assist you in making a decision, let’s examine its features, prices, and practical benefits and drawbacks.
Why Consider Australia Post Car Insurance?
Australia Post isn’t just about mail—it partners with QBE, one of Australia’s largest insurers, to offer policies tailored to diverse needs. Here’s what sets it apart:
- Competitive Pricing: Third-party policies start at $449.69/year, often undercutting rivals like AAMI and NRMA .
- Flexible Coverage: Choose from three tiers—Comprehensive, Third Party, or CTP (NSW-only) .
- Exclusive Discounts: Save $75 on your first year of Comprehensive coverage by purchasing online .
Policy Options: Breaking Down Your Choices
1. Comprehensive Car Insurance
Best for: New car owners or those seeking maximum protection.
Key Features:
- New Car Replacement: If your car is totaled within three years (under 60,000km), receive a brand-new replacement .
- All Drivers Covered: No need to list individual drivers—ideal for families or shared vehicles .
- Hire Car Support: 14 days of rental coverage if your car is stolen or damaged in a no-fault accident .
- Optional Add-Ons: Customize with extras like choice of repairer or extended hire car coverage .
Cost: Starts at ~$1,200/year (varies by state), with premiums rising by up to 45% post-claim based on reviews .
2. Third Party Property Damage
Best for: Budget-conscious drivers needing basic liability coverage.
Key Features:
- Damage to Others: Covers repairs for other vehicles/property you damage .
- Fire & Theft Add-On: Optional protection for $1,000 personal items and post-theft hire cars .
Cost: From $449.69/year—cheaper than Allianz but pricier than Budget Direct .
3. CTP Green Slip (NSW Only)
Mandatory for NSW drivers, this covers injury claims from accidents you cause. Australia Post offers streamlined online sign-up .
Pro Tip: Compare quotes annually—12% of Australians switch insurers yearly to avoid loyalty penalties .
Customer Experiences: The Good, The Bad, The Ugly
Pros
- Smooth Claims: Users like Sukhvinder Singh praise hassle-free approvals and responsive service .
- Affordability: Many cite premiums “nearly half” competitors’ rates .
- 24/7 Support: QBE-backed claims team assists round-the-clock .
Cons
- Post-Claim Hikes: Premiums spike up to 45% after accidents, frustrating long-term customers .
- Customer Service Woes: Complaints of long wait times, unresponsive agents, and poor post-sale communication .
- Limited Features: No roadside assistance or windscreen coverage without add-ons .
How It Stacks Up Against Competitors
| Feature | Australia Post | Budget Direct | AAMI |
|---|---|---|---|
| Comprehensive Cost | From ~$1,200/year | From ~$992/year | From ~$1,218/year |
| Third Party Cost | From $449.69/year | From $379.57/year | From $516.02/year |
| Discounts | $75 online savings | 15% first-year discount | $50 online discount |
| Customer Rating | 2.1/5 (ProductReview) | 3.8/5 | 3.5/5 |
Data sourced from 2025 market comparisons .
Australia Post Car Insurance shines for budget-focused drivers and first-time buyers seeking no-frills coverage. Its competitive pricing and QBE-backed claims are strong selling points, but steep post-claim premium increases and service gaps may deter long-term loyalty.