Imagine the scene: You’re driving down the coast when suddenly: Bam! You’re in a fender bender. Not good, now you’re worrying about the cost of repairs. But wait, you see Australia Post and wonder, “Do they do car insurance?”
Yes, they do offer car insurance through a partner, which is Zurich now really, so they do the insurance part. You really must read the Australia Post car insurance policy and its coverage; whether it is what you desire or not.
Car insurance in Australia is not just a good thing to get; it is the law. And it protects your finances while something goes wrong. Let’s check out car insurance through Australia Post and see if it can suit you.
Australia Post Understanding Car Insurance
From Australia Post, you are used to mail and postal services. Surprise, surprise: they also do insurance. They sell car insurance in conjunction with Zurich. Zurich takes care of the insurance; Australia Post just sells it through their trusted familiar services.
Which Types of Car Insurance Are Available Through Australia Post?
Australia Post currently provides only three broad categories of car insurance. These kinds fit various needs and budgets:
- Comprehensive: The most coverage that covers damage to your own car and others.
- Third Party Property: This covers damage to other people’s vehicles or property caused by your car but does not cover your car.
- Third Party Fire & Theft: This is similar to Third-Party Property but doesn’t cover your car in the event of theft or damage caused by fire.
Choose which best matches your budget and how much risk is acceptable to you.
Who Underwrites Australia Post Car Insurance?
Zurich underwrites Australia Post car insurance. Zurich is a global and very experienced insurance company. This means they are liable for the settlement of claims. It is good to know that your policy is backed up by a big and solid company with a long heritage.
Benefits of Taking Australia Post Car Insurance
What benefits come to taking Australia Post as your car insurance provider? Here are a few reasons:
- Convenience: Most of them will be Australia Post clients to use for some other things, and they can make it easier to do insurance under a well-known name.
- Competitive pricing: The pricing for such insurance could be quite generous, especially during comparisons from other insurers.
- Particular features of the policy: They may just have something special that’s not found in other insurance companies.
Think whether these advantages accord to your individual needs.
Decoding the Policy: Coverage and Exclusions
It is really important for the individual to understand what their policy covers and what is not covered.
Major Coverage Areas
A good car insurance policy protects you against lots of things. The ones that are included mostly are:
- Accident: Covering damage from collisions regardless of whether one is at fault.
- Theft: Payment in case your car is stolen.
- Fire: Cover for damage when it goes on fire.
- Malicious damage: Protects you against the act of vandalism toward your vehicle.
A few would feature road assistance within their policy. Read all fine prints to know what’s there.
Exclusions
They could be among the exclusions. All of the policies have exclusions under which you will not be covered. Some standard exclusions that make you forego the cover are:
- Incidental damage: If the damage was self-inflicted, you will pay for it.
- Under influence: Incidents that happen under the influence of alcohol or drugs will not be covered.
- Certain modifications to the vehicle: Certain modifications may take your policy void.
Exclusions can prevent you from falling flat later when they happen.
Understanding Excess and Premiums
Most basically, excess and premiums. You pay premiums to insure yourself from time to time (monthly or yearly). The excess is the money you have to part with, from your own pocket, when making a claim.
Here are some things that can affect your premium:
- Age: The younger the driver, the more the premium.
- Driving History: Bad records like accidents/tickets will increase your premium.
- Location: Some geographic areas have their rates higher for accident incidents.
But you can sometimes lower your premium by having a higher excess amount.
How to Get a Quote and Apply
Getting a Quote Online: Step-By-Step Guide
Getting a quote online is generally rather fast and easy:
- Go to the Australia Post car insurance website (generally redirected to Zurich).
- Fill in your car details: make, model, and year.
- Enter your personal information, age, and address.
- Answer the questions about your driving history.
- Review your quotation and amend coverage as required.
Information That You Will Require For the Quote
You will need this information to get a quote:
- Driver’s license details for all drivers.
- Registration details of the vehicle.
- Your driving history (any accidents or tickets).
Have this information on hand before you start the quote process.
Alternative Application Routes (Phone, In Person)
You may also be able to apply over the telephone for car insurance. Call the insurance number for Australia Post. There could also be an option for in-person availability in some Australia Post locations.
Claiming Under Australia Post Car Insurance
Knowing how to make a claim is important.
Summation
With Australia Post car insurance, Australians will find a familiar and possibly convenient choice. They offer various coverage types underwriting with Zurich, from comprehensive to third party. Consider the primary inclusions and exclusions along with price.
Comparing your car insurance options is an important step before making any decision. Obtain quotes from other providers. Read customer reviews. Understand policy wording. This way, you will ensure that you get the right coverage at the best price.
