The first thing to be aware of is that if the accident wasn’t your fault you might not need to lodge a claim with us at all. If the other person lodges a claim then their insurance company will fix your car.
However, if you decide to lodge a claim with us the standard excesses differ depending on which state or territory you live in. Your excess can be found in your Insurance Schedule.
$650 South Australia - Tasmania - Northern Territory
$695 Western Australia
$795 New South Wales – Victoria – Queensland - ACT
Further excesses may apply depending on who was driving your car at the time of the accident. The following examples show how the additional excesses are calculated.
If the person driving your car is under 25 an age excess of $600 will be added to your standard excess.
For example, if you live in Western Australia ($695), and the person driving your car is under 25 ($600). Total excess would be $695 + $600 = $1,295.
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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 live in Victoria ($795) 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 $795 + $1,950 = $2,745.
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If the driver is under 25 and lives at the same address as you, or regularly drives your car - but isn’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 live in South Australia ($650), 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 $650 + $600 + $1,950 = $3,200.
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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.
Please note that learner drivers are exempt for the unlisted driver excess so long as they meet the coverage criteria.