Do I need to add occasional drivers to my policy?

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.

You can apply for an International Driving Permit online through the NRMA*. If you need it urgently, you can use the Priority Service by applying in person at any Service NSW centre.

* National Roads and Motorists' Association Limited, ABN 77 000 010 506, trading as the NRMA, is a separate and independent company from Insurance Australia Limited, ABN 11 000 016 722, trading as NRMA Insurance. “NRMA” provides Roadside Assistance Membership, the “My NRMA Rewards app” and other road, travel and rewards products and services.

An excess is an amount that may apply and that you may need to contribute towards the cost of a claim. Depending on your policy and the type of claim you make, different excesses may apply.

An excess usually applies for most claims unless there's someone else we can recover the costs from, like the driver of another car who caused the accident. In some cases you’ll be asked to pay the excess to the repairer or supplier. We can also deduct it from any payment we make to you.

To find out which excess type applies to your policy, please refer to your policy document or view your policy in your online account.

For more general information about excesses, see our Premium, Excess and Discounts Guide.

The policy changes you can make using your online account depend on the policies you hold. For example, Comprehensive Car Insurance policy holders can:

• Add/edit the car's VIN
• Add/remove a windscreen option
• Add/remove a hire car
• Add/remove drivers
• Add/remove the car's credit provider
• Amend their excess
• Amend their sum insured
• Cancel their policy
• Change and view their risk address
• Change kilometres driven/garaging
• Change the address where the car on the policy is kept
• Change their car's number plate details
• Switch from agreed value to market value

For more information about what changes you can make to your policy, contact us.

The quickest way to update your details is by:

• Opening the NRMA Insurance App, or
• Logging into your online account.

In your online account:

1. Select Contact details
2. Find the details you want to update and select Edit
3. Follow the instructions and enter your new details.

Don't have the app?

If you don’t have the app, you can:

• Download on the App Store, or
• Get it on Google Play.

For glass-damage-only claims (like windscreen damage), you don’t need to pay an excess if you:

• Have Comprehensive Plus
• Added no excess for glass damage to your policy
• Aren’t at fault, and you have the at-fault person’s details.

If you’re only claiming for glass damage, call our glass specialists on 1300 050 912.

You can take out insurance at any age.

However, the person taking out the insurance policy (who's listed on the policy) must have a legal or financial interest in what's being covered.

When the damage to your car has been inspected, we can discuss the cost of repairs with you.

You can then decide if you'd like to proceed with the claim.

To find information on your closest branch, use the branch locator on the contact us page.

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.