At what age can a person take out insurance?

How age affects excess depends on whether a driver is listed on your policy:

• For any driver listed on your policy, we take their age into account when calculating their excess
• If a driver under 25 isn’t listed on your policy, you will pay an additional excess called an undisclosed driver age excess.
• If a driver aged 25+ isn’t listed on your policy, you may pay an additional excess called an undisclosed driver excess, depending on the type of cover you have.

Special note for learner drivers:

For learner drivers, any excess related to a claim when the vehicle was driven by a learner driver is based on the excess of the supervising driver.

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.

• An additional excess (known as an undisclosed driver excess) applies where a driver is 25 years of age 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.

Special note 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.

Things you should know

¹ Cover is subject to standard underwriting guidelines and policy terms.

A nominated beneficiary is the person or persons you nominate to receive your benefit payment. It's always best to nominate a beneficiary, as not having one can delay the claims process.

Due to the registration process, your personal information is very secure. Only a registered user who has been identified can access information about their own policies.

We can only provide cover once your home is ready to be moved into.

Up until then your home should be covered under construction insurance.

If you have Comprehensive Motorcycle cover, we will replace your helmet if it's lost or damaged in an incident we cover.

For an extra cost, you can choose to add the option of cover for protective clothing (e.g. jacket, trousers, boots and gloves) to your policy.

If you have Comprehensive cover, we also cover you personal items, for up to $1,000 in total.

Personal items we will not cover include, mobile phones, cash, and property used for earning an income.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

For more information, read the PDS.