Overview
- Zurich announced it will give discounted premiums to eligible Model 3 and Model Y owners who have Tesla’s Full Self‑Driving (Supervised) listed on their policy after underwriters saw lower accident frequency in early data.
- The insurer did not publish a single discount rate, but one advertised quote obtained by local media showed about a 5% annual saving for a monthly subscriber and about 1.2% for a lifetime owner in one example.
- Tesla’s FSD (Supervised) remains a Level 2 driver assistance system under Australian rules, so the human behind the wheel is legally in control and must stay attentive while an internal camera monitors the driver.
- Data from Tesla show Australians have driven more than 132 million kilometres with FSD since its rollout, but reporting and test drives also found navigation errors such as mistaken lane exits, bus‑lane routing and missed school‑zone speed limits.
- Zurich says it used Tesla data alongside its underwriting tools to set the rating, and the move could prompt other insurers to factor advanced driver assistance into pricing as real‑world actuarial evidence grows.