FAQs
General questions about Australia Post Insurance
Australia Post Car Insurance related FAQs
- How can I purchase a car insurance policy?
- Is it safe to purchase car insurance online?
- If I experience problems completing my car insurance online, what should I do?
- What if I have to make a car insurance claim?
- How long does it take to get car insurance?
- How can I pay for my car insurance securely online?
- What is the difference between a vehicle's agreed and market value?
- What is the difference between the following types of car insurance Comprehensive, Third Party Fire and Theft and Third Party Property Damage?
- What personal effects are associated with car insurance?
- What is a No Claim Discount (NCD) and how does it affect car insurance premiums?
- What is the difference between a Rating 1, NCD and No Claim Bonus (NCB)?
- Will I lose my NCD if I have a car accident?
- What happens if I don't provide information about my driving record, past accidents or claims if I am asked?
General questions about Australia Post Insurance
Who is working together to offer Australia Post Insurance?
Australia Post has teamed up with Auto & General Insurance Company and its related insurance administration company A&G Insurance Services to proudly offer you Australia Post Insurance. This represents the combined efforts and abilities of a number of organisations that share a proud history of customer value, innovation and service.
Why is Australia Post offering insurance?
Australia Post believe Australians deserve a trusted provider to offer affordable, well featured insurance products backed by outstanding service. Australia Post Insurance is designed to deliver exactly that.
Why record the telephone conversations?
Telephone calls are recorded for a number of reasons. This is to help avoid all the paperwork you might otherwise encounter. It also means immediate cover can be offered, where applicable, as we're not waiting on forms to be filled out and processed. This also allows for the management of the claims process.
Another reason is that it allows the undertaking of service quality assessments, which helps to ensure all call centre operators are focusing on delivering you the best possible customer service.
Australia Post Car Insurance related FAQs
How can I purchase a car insurance policy?
You have three options to choose from when purchasing Australia Post Insurance car insurance:
- 1. Obtain a quote and then buy securely online at Australia Post car insurance.
- 2. Obtain a quote online then call one of the helpful consultants on the number provided at the end of the quote to complete the purchase of your policy.
- 3. Call one of the helpful consultants on 1800 22 00 44 to obtain a quote and purchase the policy over the phone.
Is it safe to purchase car insurance online?
To protect your confidential data our partners have invested in an SSL certificate from VeriSign, a world leader in Internet data security.
This VeriSign certificate confirms the online quote and online sales website has been authenticated and verified and it enables sensitive data to be safely encrypted.
If I experience problems completing my car insurance online, what should I do?
If you are having trouble purchasing online please call 1800 22 00 44 with your quote reference number to hand and the friendly call centre staff will be able to help.
The call centre is open Monday to Friday between 8am and 8pm (EST) and Saturday 8am to 5pm (EST).
What if I have to make a car insurance claim?
If you need to make a car insurance claim call 1300 885 996 and one of the claim consultants will help you get back on the road as soon as possible. In most cases you will be able to deal with any car insurance claims requests over the phone. The aim is to have all claims processed promptly to avoid any inconvenience.
How long does it take to get car insurance?
In most cases, assuming you are eligible, you can be insured in one easy online session or phone call. You should have at hand details of your car and driving record and it won't take long at all. You can be insured the day you go online or call and take out a policy, or you can choose a later date for your cover to begin.
How can I pay for my car insurance securely online?
You can pay for your car insurance online using either a Visa or Mastercard credit card.
What is the difference between a vehicle's agreed and market value?
Market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage. It does not include any allowance for warranty, stamp duty or transfer costs.
Agreed value is the amount both parties agree to insure your vehicle for during each term of insurance. The value may change each time you renew the policy.
What is the difference between the following types of car insurance Comprehensive, Third Party Fire and Theft and Third Party Property Damage?
Comprehensive cover offers the broadest level of cover as it covers damage caused by the car to other people's property, plus cover for the car up to the value you insure it for.
With Third Party Fire and Theft cover, you will get third party property cover below, plus cover for your own car if it is stolen or catches fire.
Third Party Property Damage is our basic level of cover; it covers only your liability for damage caused by the car to other people's property, plus a limited amount of cover for the car if damaged in a no fault accident with an uninsured vehicle.
Terms and conditions apply to each type of cover.
To compare each type of car insurance cover, go to our comparison page.
What personal effects are associated with car insurance?
Personal effects are your personal belongings that are in your car at the time of an accident.
The Comprehensive policy provides cover for damage to your personal effects resulting from a collision involving your car. Limits do apply.
What is a No Claim Discount (NCD) and how does it affect car insurance premiums?
It is a discount on your car insurance premium. Your No Claim Discount is calculated on your years of driving experience and your claims record. As you gain more years of claim free driving experience you receive a discount from the full priced premium until it reaches a maximum discount (also known as Rating 1).
What is the difference between a Rating 1, NCD and No Claim Bonus (NCB)?
They are different terms for a scale that insurers use to rank your driving history and risk. Rating 1, NCD and NCB, all refer to a discount that is applied to the full premium.
Will I lose my NCD if I have a car accident?
You can protect your Rating 1 (maximum No Claims Discount) by selecting our NCD protection option. This allows you to have 1 car insurance claim per 12-month period of having an Australia Post car insurance policy, or up to 2 claims in 3 years without affecting the Rating 1.
If you have NCD protection on your Australia Post car insurance policy for 2 consecutive claim free years, you will qualify for a Rating 1 for life. (Which means all car insurance claims have no effect on your NCD for as long as you have NCD protection). However, you will not lose any NCD on renewal following a window glass claim, or if the other vehicle in a collision is entirely at fault and the driver is identified to us. For other claims, your NCD may be reduced at renewal.
What happens if I don't provide information about my driving record, past accidents or claims if I am asked?
This is called non-disclosure and affects an insurer's ability to accurately assess your risk or calculate the correct premium. It can lead to a claim being paid only in part, or not paid at all and/or your policy being cancelled.
The information above is a summary only. Please see the Product Disclosure Statement for all the detail plus the full terms and conditions.
Customer support
Phone quote: 1800 22 00 44
