How do I add a driver to my car insurance 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.

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.

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.

You can increase your excess anytime, but you can only reduce it when your policy is up for renewal.

Changing your excess at renewal

• For car, home and landlord policies:
  1. Log in to your account
  2. Look for the policy and select Review renewal
  3. Navigate to the section titles Your excess
  4. Select Change vehicle excess
  5. Select an excess amount
  6. Save and update your policy
• For all other policies, call 132 132.

Changing your excess at other times

• For car, home, landlord, caravan, trailer and motorcycle policies:
  1. Log in to your account
  2. Select View policy
  3. Select View all details
  4. Scroll down to excess area
  5. Edit your excess
  6. Enter the date you want the change to start
  7. Select Update excess
  8. Click Submit.
• For all other policies, call 132 132.

You can get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice online. Log in to your account, then:

1. Find your Business Insurance policy and select View policy
2. Under Policy Documents, select Email me my Certificate of Currency to get a copy of your Certificate of Currency, or
3. Select View all Policy Documents to view and request a copy of your Certificate of Insurance or tax invoice.

A Certificate of Currency is proof that you have an active policy.

A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.

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:

1. Log in to your account
2. Click View policy
3. Scroll down to Plate number
4. Click Edit
5. Enter the new number plate and the date you would like the change to be effective from
6. Click Continue
7. Click Update my policy
8. Click Return to Dashboard.

For all other policies:

1. Log in to your account
2. Click View policy
3. Select View all details
4. Click Edit car details
5. Enter the date you want the change to take effect
6. Update your rego and/or VIN number
7. Click Submit.

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.