Reinsurance Pools

Allocation of postcodes

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

Postcodes allocated to Tier B are those covering the urban areas of all state capital cities and cities including Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, Canberra, Newcastle, Central Coast, Wollongong, Hobart, Geelong, Sunshine Coast, Townsville, and Darwin with a population of more than 100,000 people.

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

Reinsurance premiums

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 1 million people.
  • Tier B: Urban areas of all state capital cities and cities with a population of over 100,000 people.
  • Tier C: Those postcodes not allocated to either tier A or B.
Class of insuranceTierRate
Commercial PropertyA 16
B5.3
C2.6
Business InterruptionA16
B5.3
C2.6
Public Liability Nil
Summary of postcode changes to take effect 1 July 2019

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 took effect on 1 July 2019 and are as follows:

  • Newly classified major metropolitan/CBD areas – Pyrmont and Ultimo in New South Wales are now part of the Sydney CBD area due to major development of high rise commercial and high value residential buildings. Pyrmont and Ultimo have been reclassified as Tier A from Tier B.
  • New urban fringes – 16 postcodes at the borders of urban areas that are now undergoing substantial development have been reclassified as Tier B from Tier C. The most notable changes include Heathcote, Engadine, Riverstone, and Marsden Park in New South Wales; Greenvale in Victoria; and Port Kennedy, Secret Harbour, Golden Bay, Lakelands, and Mandurah in Western Australia.

Postcode downloads

Select ‘Open’ or ‘Save’ when you click the link below for all current Australian postcodes and their associated tiers.

DOWNLOAD ALL POSTCODES

Select the link below for summary of postcode tier classification changes effective 1 July 2019.

DOWNLOAD SUMMARY OF CHANGES EFFECTIVE 1 JULY 2019

Search Postcodes

To search for specific postcodes please enter your search criteria in the inputs below.

The results will be provided as a list as well as the option to export to Microsoft Excel.

All Postcodes
DOWNLOAD as Excel
PostcodesStatesTier
800NTB
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2900ACTB
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3000VICA
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Login

Insurer customer logins to ARPC

Terrorism Insurer Portal (PACE)

PACE is ARPC’s new Terrorism Reinsurance Pool (terrorism pool) insurer customer portal, which allows terrorism pool insurer customers to lodge their company information in a secure and user-friendly environment.

Cyclone Insurer Portal (PACE)

PACE is ARPC’s Cyclone Reinsurance Pool (cyclone pool) insurer customer portal, which allows cyclone pool insurer customers to lodge their company information in a secure and user-friendly environment.