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 excess ranges from $600 to $2200 depending on what you selected when you bought or renewed your policy if you hold a 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.
Please note that learner drivers are exempt for the unlisted driver excess so long as they meet the coverage criteria.
* 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.