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Postcodes

Search Postcodes

To search for details on postcodes please enter the details in the box below. The results will be provided as a list as well as the option to export to Microsoft Excel.

Allocation of postcodes

Postcodes allocated to tier A are those covering the CBD areas of Australian cities with a population of over 1 million: Sydney, Melbourne, Brisbane, Perth and Adelaide.

Postcodes allocated to tier B are those covering the urban areas of all state capital cities and cities with a population of over 100,000: Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, Canberra, Newcastle, Central Coast of New South Wales, Wollongong, Hobart, Geelong, Sunshine Coast of Queensland, Townsville and Darwin.

Postcodes allocated to Tier C are those geographic postcodes not allocated to either tier A or B. Any property not on the mainland of Australia or Tasmania, but within Australian coastal sea is tier C.

Premiums

Reinsurance premiums are calculated as a percentage of the reinsured company’s gross written premium in accordance with the following table:

Reinsurance premiums

Class of insurance Tier Initial rate                  Updated rate (from 1 April 2016*)
Commercial Property A 12                                               16
B  4                                               5.3
C  2                                               2.6
Business Interruption A 12                                                16
B  4                                               5.3
C  2                                               2.6
Public Liability Nil                                             Nil

* Please note that the new rate applies to policies started or renewed on or after 1 April 2016.

Postcode Downloads

The All Postcodes table below lists all of the current Australian postcodes and their associated tiers.

The Summary of Postcode Tier Classification changes lists the changes that will be introduced to postcode tier classification effective 1 January 2018.

The All Postcodes effective 2018 is a master postcode table which will replace the All Postcodes table on 1 January 2018.

Title Excel Spreadsheet Word Document
All postcodes DOWNLOAD  
Summary of Postcode Tier Classification changes being introduced from 1 January 2018   DOWNLOAD
All postcodes effective 2018 DOWNLOAD  

ARPC’s premiums are set using three tiered rates specified by postcode of location of the insured property. Tiers are representative of risk and are based on population density being:

Tier A: CBD areas of Australian cities with a population of over one million;

Tier B: Urban areas of all State capital cities and cities with a population of over 100,000;

Tier C: Those postcodes not allocated to either tier A or B.

ARPC regularly reviews the list of postcodes to determine if there has been adequate development throughout Australia to warrant adjustments to the tier classification for each postcode.

The most recent review was based on up to date population statistics and resulted in several changes to the tier classification. The adjustments that will take effect on 1 January 2018 are as follows:

  • Newly classified urban region – Toowoomba and Cairns now meet the definition of an urban area. Therefore one postcode in Toowoomba and five postcodes in Cairns that were classified as Tier C have been reclassified as Tier B postcodes.
  • New urban fringes – 61 postcodes at the borders of urban areas that are now undergoing substantial development, have been reclassified as Tier B. The most notable changes are south of Perth where the Rockingham area has now been included.
  • New postcodes – there are 13 new postcodes that have now been classified. Please note that the University of Adelaide has not been given its own postcode which is classified as Tier A.
  • Corrections – we have revised the tier for five postcodes. This includes adjusting university postcodes from Tier C to Tier B, attributed to their location.