- Zurich Australia will use Tesla’s Full Self-Driving (Supervised) as a pricing factor for its InsureMyTesla policy, announced September 14, 2026.
- Insurance Business and The Driven report it is the first insurer in Australia to do so and the second in the world.
- Zurich hasn’t said how large the Tesla FSD insurance discount will be.
- FSD (Supervised) is Level 2 driver assistance. The driver stays legally responsible.
What Zurich changed
The Driven reports the only eligibility condition is an active FSD (Supervised) subscription. Insurance Business reports the discount sits alongside the usual factors such as age, location and claims history, and says eligibility turns on owning a car equipped with the technology. The two outlets describe the trigger differently, so check the policy wording before you buy. FSD (Supervised) has been available in Australia for about a year at $149 a month, per Insurance Business. The driver must keep watching the road.
Zurich says its early claims data shows automated trips have, on average, fewer collisions than human-driven trips. It published no crash rates, sample size or time period. Zurich’s David Toma told The Driven: “The data shows that drivers using this technology are involved in far fewer accidents.” Tesla Australia and New Zealand director Thom Drew called the move “encouraging.” The Driven calls it only the second move of its kind worldwide, and no source gives details on other insurers’ terms.
What Tesla’s own data says
Tesla reports data for September 17, 2025 through September 16, 2026 on its own FSD safety page, according to Drive Tesla Canada. It lists about 160 million km driven with FSD engaged and about 2.4 billion km driven manually in Teslas with Active Safety features.
| Driving mode (Tesla ANZ data) | Major or minor collision rate |
|---|---|
| FSD engaged | One per about 1.78 million km |
| Manual, with Active Safety | One per about 1.07 million km |
Source: Drive Tesla Canada, reporting Tesla’s figures. Tesla describes the gap as roughly 40% fewer collisions with FSD.
Why It Matters to You
If you own a Tesla in Australia and pay for FSD (Supervised), you may get a lower InsureMyTesla premium. How much is unknown, since Zurich hasn’t published the discount, so the practical step is to ask for a quote with and without FSD. Everyone else sees no direct change for now.
What the numbers don’t show
- Tesla published the data, and no independent party has verified it. Drive Tesla Canada notes the report doesn’t define “collision” beyond “major or minor.”
- The report doesn’t say whether it adjusts for road type, weather, time of day or driver mix. FSD miles may skew toward easier highway driving, which would flatter the result.
- The Driven reports a separate Tesla claim of seven times fewer collisions, measured against an “estimated US average.” That is a different comparison from the 40% figure.
- Zurich hasn’t published the discount size, so any estimate of savings would be speculation.
- Counterpoints: University of Queensland researchers logged more than 500 safety-critical events in over 100 days of testing a Model Y with FSD. NHTSA has opened a safety investigation covering about 3.2 million vehicles in the US, per the sources below. Dr David Rodwell of QUT said monitoring and engagement remain “paramount.”
Quick answers
How much is the discount?
Zurich hasn’t said. Ask for a quote with and without FSD.
Do I have to use FSD to qualify?
The Driven reports the condition is an active FSD (Supervised) subscription. Insurance Business reports eligibility turns on owning a car equipped with the technology. Confirm with Zurich.
Does FSD drive itself?
No. It is Level 2 driver assistance. The driver is responsible and must supervise at all times.
Sources
- Insurance Business: Zurich ties cheaper Tesla premiums to FSD mode in Australian first (Sep 14, 2026)
- The Driven: Australian insurer to recognise Tesla’s Full Self-Driving technology in calculating premiums (Sep 14, 2026)
- Drive Tesla Canada: Tesla FSD Australia and New Zealand safety data (Sep 21, 2026)