The Standard excess ranges from $600 to $2,200 depending on your state and what you have selected when you purchased or renewed your Comprehensive Car insurance policy.
For Third Party Property Damage policies, the Standard excess varies based on which state you’ve noted for where the car is kept.
Your excess can be found in your Insurance Schedule. Click on this direct link to login, view and obtain your policy documents.
Additional excesses may also apply such as:
1. Age excess if the driver is under 25 years old: $600
2. Unlisted household member or unlisted regular driver excess if the driver lives at the same address or regularly drives your car but wasn’t listed on the policy as a driver: $1,950
|
Scenario |
Excesses Applied |
Total Excess Amount |
|
You have chosen an excess of $895 and the person driving your car is under 25 and listed as a driver. |
Standard excess ($895) Age excess ($600) |
$1,495 |
|
You have selected an excess of $895 and the driver of your car lives at the same address as you but wasn’t listed as a driver. |
Standard excess ($895) Unlisted household member or unlisted driver excess ($1950) |
$2,845 |
|
You select an excess of $895 and the driver of your car 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. |
Standard excess ($895) Age excess ($600) Unlisted household member or unlisted driver excess ($1,950) |
$3,445 |
More scenarios and information about Excesses can be found in our Premiums, Excesses and Claims Guide (PED)
Who counts as a ‘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.