If a learner driver uses my car, is my excess affected? Do I need to list them on 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.

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.

For policies in NSW, QLD, TAS and the ACT first purchased before 21 April 2024 and not yet renewed, OR policies in NSW, QLD, TAS and the ACT last renewed before 1 July 2024

1. Log in to your account
2. Find your policy and select View policy
3. Scroll down to Insured drivers and select Edit
4. Select Add another driver
5. Enter the new driver's details and click Confirm driver
6. Check the new details are correct then select Continue
7. If you need to make an additional payment to add this driver, enter your payment details and select Pay now (payments can take up to three business days to complete).

For all other policies

1. Log in to your account
2. Find your policy and select View policy
3. Locate the asset you wish to change and select See more details
4. Scroll to Edit listed drivers
5. Enter the date you wish to add them from
6. Click Add driver
7. Enter the new driver’s details and click Save
8. If you need to make an additional payment to add this driver, press Continue to payment and enter your payment details.