If another driver uses my car, is my excess affected? Do I need to list them on my policy?
We cover anyone who drives your car, even if you haven't listed them on your policy.1
However, your excess may be affected if a driver isn’t listed.
For learner drivers:
You don’t need to list learner drivers on your policy. Instead, we base any excess related to a claim when the vehicle was driven by a learner driver on the excess of the supervising driver. This excess may be higher if the supervising driver is not listed on your policy.
For policies in NSW, QLD, TAS and the ACT first purchased before 21 April 2024 and not yet renewed, or last renewed before 1 July 2024:
- An additional excess (known as an age excess) applies if a driver is under 25 years of age. This age excess is lower if the driver under 25 is listed on your policy
- An age excess also applies if a driver is over 25 and has had their provisional or probationary licence for less than 2 years. However, this excess remains the same whether or not the driver is listed on your policy.
For all other policies:
- An additional excess (known as an undisclosed driver excess) applies where a driver is 25 or older and is not listed on your policy
- A higher additional excess (known as an undisclosed driver age excess) applies if the unlisted driver is under 25 years of age
- You won't have to pay either of these additional excesses if the driver is listed on your policy.
Things you should know
1 Cover is subject to standard underwriting guidelines and policy terms.