An excess is the amount of money you pay towards the cost of any claim. When an excess applies, you have to pay your basic excess plus any applicable additional excess(es). You won't have to pay an excess if the damage to your car was caused by another car, we agree that you were not at fault and we have the details of the other party.
There are different types of excesses, depending on what your claim relates to, who was driving your car and the type of cover you have chosen. Below, we outline the different types of excesses and the situations in which they may apply. You will find the amount of each excess on your Certificate of Insurance.
The first amount you pay on each claim made under your policy.
The following excesses may also apply in addition to your basic excess if applicable and they will be shown on your Certificate of Insurance:
This applies if the driver is under 25. This excess does not apply to a learner driver.
Undeclared young driver excess
This applies if the driver is under 25 and has not been declared as a driver on your Certificate of Insurance. This excess does not apply to a learner driver.
Learner driver excess
This applies if the driver is a learner driver.
Inexperienced driver excess
This applies if the driver is 25 years of age or over and has not held a driver’s licence that is valid in Australia (excluding learner’s licences and permits) for more than 2 consecutive years.
Fixed Kilometre Discount additional excess
This excess only applies if the Fixed Kilometre Discount option is shown on your Certificate of Insurance, and at the time of a claim, your odometer reading is above the agreed kilometre cover range on your Certificate of Insurance. This excess also applies if you haven't given us your start odometer reading in the first 14 days of your policy and you need to make a claim after this time.