Do I pay an excess if my claim is only for a broken windscreen, window or sunroof?

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.

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.

We’ll talk to you about your options to pay your excess. It depends on the type of claim and how the claim will be settled.

We might ask you to pay your excess to the repairer or supplier that we've arranged to manage your claim. Or, we might deduct the excess from a settlement we pay you.

You can also pay your excess directly to us for your car insurance or your home insurance.

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.

The best way to see how to make a claim is to visit nrma.com.au/claims, select your type of policy and follow the steps. You can also call us on 131 123 – we're available 24/7.

You're covered even if you forget to lock your door or window. So, if your home is burgled while you're out, we've got you covered.

Read the Product Disclosure Statement (PDS) on our policy booklets page for more information.

We can cover you for ridesharing. You'll need to tell us the number of hours you're ridesharing, and pay any extra premium. The maximum is 10 hours per week.

Can other drivers use my car for ridesharing?

Yes, but you may have to pay an additional excess if something happens when they're driving the car.

Also, keep in mind that the maximum time your car can be used for ridesharing is 10 hours per week. This is the combined total for all drivers who use your car.

For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS) on our policy booklets page.

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.

We cover unintentional damage caused to glass if the fracture extends through the thickness. Depending on whether you have Buildings Insurance or Contents Insurance, we cover:

• Glass windows and doors
• Cooktops & oven doors
• China sinks, showers, toilets and baths.

Read the Product Disclosure Statement (PDS) on our policy booklets page for more information.