Zurich Becomes Australia’s First Insurer to Discount Tesla FSD

Zurich Australian Insurance Limited said on September 14, 2026, that Full Self-Driving Supervised is now a rating factor on its InsureMyTesla policies, making Zurich the first Australian insurer to price eligible Tesla coverage around the supervised self-driving stack and only the second insurer globally to do so.

In a company media release, Zurich said Tesla data shows vehicles using FSD Supervised have seven times fewer major or minor collisions than regular EVs, and that the updated InsureMyTesla product covers eligible Australian customers with FSD Supervised in their vehicle alongside existing benefits such as glass and charging-equipment repair. Tesla Country Director for Australia and New Zealand Thom Drew said the data is clear that FSD Supervised is making driving significantly safer, and that it is encouraging to see InsureMyTesla by Zurich reflecting reduced risk for owners. Tesla’s Australia and New Zealand account on X put the same point more bluntly: FSD Supervised is making driving safer and now cheaper.

The timing matters for owners who already bought into the feature. FSD Supervised launched in Australia and New Zealand in October 2025 and hit one million kilometres of supervised driving within two weeks; Zurich now cites more than 132 million kilometres of local self-driven kilometres and a more than five-fold jump in average daily use since launch. Zurich has been Tesla’s preferred Australian insurer since 2024, extending a Zurich Group–Tesla relationship that dates to Switzerland in 2016. The discount sits inside normal underwriting rather than as a single published percentage, and reporting around the launch has noted Zurich is not collecting individual Tesla engagement telemetry the way Tesla Insurance’s U.S. FSD discount scales with miles driven under FSD.

For Australian Model 3 and Model Y owners weighing a subscription, the useful change is that supervised self-driving is no longer only a software upsell — an insurer is now treating the safety stats as a pricing input. What to watch next is whether other Australian carriers follow Zurich’s rating factor, and whether Zurich ever publishes a clearer public discount band rather than leaving savings inside quote-by-quote underwriting.