(Re)in Summary
- InsureMyTesla now prices in FSD (Supervised) alongside existing glass, charging equipment, and battery repair benefits.
- Tesla drivers in Australia and New Zealand have logged more than 132 million kilometres on FSD (Supervised) since its October 2025 launch, with average daily use up more than fivefold, Zurich says.
- Zurich has been Tesla’s preferred Australian insurance partner since July 2024, building on a Swiss partnership dating to 2016.
Zurich Australia has added Tesla’s Full Self-Driving (Supervised) technology as a rating factor in its InsureMyTesla product, the insurer announced on Monday.
With the change, eligible Australian customers whose vehicles run FSD (Supervised) will now have that reflected in their premium. The updated offering is expected to make premiums more affordable for Tesla owners, said Zurich’s head of general insurance, Alex Morgan.
Zurich said no other Australian insurer has recognised FSD (Supervised) as a risk rating factor. Globally, however, it is not the first insurer to price the technology into coverage: in January 2026, U.S. digital insurer Lemonade cut per-mile rates by 50% for miles driven with FSD (Supervised) engaged, citing data indicating lower accident rates.
“By combining Tesla’s fine-grained data with Zurich’s sophisticated underwriting technology and motor expertise, this expanded proposition offers the same high-quality insurance at a more affordable cost due to the reduced risk associated with supervised self-driving,” Morgan said in a statement.
FSD (Supervised) is a Level 2 driver-assistance system: the vehicle can steer, accelerate and brake, but the driver must remain attentive and ready to take over at all times.
The insurer said that uptake of FSD (Supervised) has increased “rapidly” since its launch in Australia and New Zealand in October last year, with customers logging more than 132 million kilometres.
David Toma, product manager at Zurich, said, “The data shows that drivers using this technology are involved in far fewer accidents, so it’s important they can access insurance that reflects this lower risk.”
Tesla’s own safety reporting claims vehicles using FSD (Supervised) are involved in roughly seven times fewer collisions than the US average across all vehicles.
An earlier Reuters investigation found that Tesla’s driver-assistance safety comparisons inflated its safety record roughly threefold: Tesla measured airbag-deployment crashes against a broader category of all tow-away crashes in the US, and ten of eleven traffic-safety researchers consulted called the resulting statistics misleading rather than a genuine safety analysis. However, Zurich has not published the accident data underpinning its pricing decision.
Zurich Australia has been Tesla’s preferred EV insurance provider in Australia since July 2024.
