At Everyday Insurance, we have the following types of excess:
Basic excess is the amount you pay when claiming your policy. You choose this amount when you take out or renew your insurance.
Age excess applies if a driver is under 25 and needs to make a claim under the policy. Choosing to exclude cover for drivers under 25 means there will be no cover if they have to make a claim.
Undeclared Young Driver Excess
This excess applies if someone under 25 needs to make a claim under the insured car but isn’t declared as a driver on the Certificate of Insurance. This excess doesn’t apply to learner drivers.
Inexperienced Driver Excess
This excess applies if a driver is 25 years of age or older and has held a valid licence to drive in Australia for less than 2 years (excluding learner’s licences and permits).
Outside Odometer Excess
This excess applies if you have Everyday Insurance Drive Less Pay Less cover on your Certificate of Insurance and at the time you make a claim:
- Your car’s odometer reading is below the start odometer reading or above the end odometer reading shown on your Certificate of Insurance.
- Your car’s odometer is faulty.
- Your car’s odometer has been replaced, the reading has changed and your policy details were updated before making a claim.