Are you registering a vehicle in Victoria? Understanding the risk zones associated with your postcode is crucial. These zones directly impact your Transport Accident Charge (TAC) and Compulsory Third Party (CTP) insurance fees, which are mandatory components of your car registration costs.
In this guide, we’ll break down everything you need to know about Victorian postcode risk zones for 2024, helping you understand how your location affects your registration fees.
What are Postcode Risk Zones?
Postcode risk zones are geographical areas categorized based on the level of road accident risk. The Transport Accident Commission (TAC) uses these zones to determine insurance premiums and charges. There are three main categories:
- High-risk zones
- Medium-risk zones
- Low-risk zones
How Are Postcode Risk Zones Determined?
The TAC considers several factors when assessing postcode risk, including:
- Historical accident data
- Population density
- Traffic patterns
- Road infrastructure
What Are the High-Risk Postcodes in Victoria for 2024?
High-risk postcodes typically include densely populated urban areas and regions with higher accident rates. Here’s the complete list of high-risk postcodes for 2024:
3000 3025 3048 3070 3102 3131 3153 3177 3197
3001 3026 3049 3071 3103 3132 3154 3178 3198
3002 3027 3050 3072 3104 3133 3155 3179 3199
3003 3028 3051 3073 3105 3134 3156 3180 3200
3004 3031 3052 3074 3106 3135 3161 3181 3201
3005 3032 3053 3075 3107 3136 3162 3182 3202
3006 3033 3054 3076 3108 3137 3163 3183 3204
3008 3034 3055 3078 3109 3138 3164 3184 3205
3010 3036 3056 3079 3110 3141 3165 3185 3206
3011 3037 3057 3081 3111 3142 3166 3186 3207
3012 3038 3058 3082 3121 3143 3167 3187 3428
3013 3039 3059 3083 3122 3144 3168 3188 3800
3015 3040 3060 3084 3123 3145 3169 3189 3802
3016 3041 3061 3085 3124 3146 3170 3190 3803
3018 3042 3062 3086 3125 3147 3171 3191 3975
3019 3043 3064 3087 3126 3148 3172 3192 3976
3020 3044 3065 3088 3127 3149 3173 3193
3021 3045 3066 3093 3128 3150 3174 3194
3022 3046 3067 3094 3129 3151 3175 3195
3023 3047 3068 3101 3130 3152 3176 3196
Which Postcodes Are Considered Medium-Risk in 2024?
Medium-risk postcodes often include suburban areas and smaller towns. Here’s the list of medium-risk postcodes for 2024:
3024 3114 3215 3750 3766 3788 3808 3920 3938
3029 3115 3216 3751 3767 3789 3809 3926 3939
3030 3116 3217 3752 3770 3791 3810 3927 3940
3089 3139 3218 3754 3775 3792 3910 3928 3941
3090 3140 3219 3755 3777 3793 3911 3929 3942
3091 3158 3220 3757 3781 3795 3912 3930 3943
3095 3159 3335 3759 3782 3796 3913 3931 3944
3096 3160 3337 3760 3783 3804 3915 3933 3977
3097 3211 3338 3761 3785 3805 3916 3934 3978
3099 3212 3427 3763 3786 3806 3918 3936 3980
3113 3214 3429 3765 3787 3807 3919 3937
What About Low-Risk Postcodes?
Low-risk postcodes generally include rural areas and regions with lower population densities. All postcodes not listed in the high or medium-risk zones are considered low-risk.
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