If you decide to lodge a claim with us the standard excess ranges from $600 to $2200 depending on what you selected when you bought or renewed your Comprehensive Car insurance policy with us.* If you hold a Third Party Property Damage policy, the excess varies based on your state. Your excess can be found in your Insurance Schedule.
For example, if you choose an excess of $895, and the person driving your car is under 25 ($600). Total excess would be $895 + $600 = $1,495.
If the driver lives at the same address as you, or regularly drives your car - but wasn’t listed on your policy as a driver - then an unlisted household member, or unlisted regular driver excess of $1,950 would apply.
For example, if you choose an excess of $895 and the driver lives at the same address as you - but wasn’t listed as a driver - then a further excess of $1,950 would apply. Total excess would be $895 + $1,950 = $2,845.
If the driver is under 25 and lives at the same address as you, or regularly drives your car - but wasn’t listed on your policy as a driver - then an unlisted household member, or unlisted regular driver excess of $1950 would apply, in addition to the under 25 excess of $600.
For example, if you choose an excess of $895, the driver is under 25 ($600), and lives at your address, or regularly drives your car - but was not listed as a driver ($1,950). Total excess would be $895 + $600 + $1,950 = $3,445.
Who counts as an ‘regular’ driver’?
A regular driver is anyone who usually drives your car at least once a week, or anyone who is driving your car in connection with ride-share services.
The unlisted driver excess will not apply to learner drivers as long as another driver listed on the policy is a passenger in your car.
* Choose Your Excess option is available for new Comprehensive Car policies from 5 June 2020 and renewing Comprehensive Car policies with an effective date of 2 July 2020.