Insurance covers loss or damage that is above the amount of your excess. It is the amount you must contribute to a claim. The only time we waive the excess is when you can provide:
1. Name, address and vehicle registration of the at-fault driver.
2. Supporting evidence that demonstrates you are not at-fault.
We generally won’t refund your excess if:
- storm, fire, flood, hail or a fallen tree or branch has caused damage to your car;
- you hit an animal, like a kangaroo;
- your vehicle is stolen or damaged during theft or attempted theft;
- your vehicle was damaged while parked and you do not know the name, address and vehicle
- registration of the person at fault;
- you cannot provide the name, address and vehicle registration of the at fault driver, or;
- you were at fault or partially contributed to the accident.
Your excess is listed on your Insurance Schedule. You can access these documents via Bingle Self-Service. For help finding these, check out 'How do I find my policy documents?'
If you’re looking for more information on the other excess types, like the age or unlisted regular driver excesses, you can review the Premiums, Excesses and Claims Guide (PED) or you can learn more about what an excess is here.
Note: The excess level can only be changed at renewal, but if you want to change the excess at any other time, you’ll need to login and cancel the existing policy, and start a new one. For instructions on how to cancel, check out 'How do I cancel my policy?'