How do I pay my excess?

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.

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.

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 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 pay most premiums with PayPal. Keep in mind that PayPal payments might take a few days to process, so it makes sense to pay your policy a few days before it's due.

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.

For us to apply the Primary Producer concession to your CTP policy, we'll need to sight one of the following documents:

• A Primary Producer Declaration issued by Transport for NSW
• A Primary Producer Declaration certified by a qualified accountant within the last 12 months
• Most recent tax averaging certificate, less than 2 years old
• Most recent tax assessment notice, less than 2 years old
• A letter from the Australian Taxation Office, less than 2 years old

Please have these available and call us on 132 132 or visit us at your local branch

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.

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.