Understanding excess in car insurance.

      What is a car insurance excess?

      An excess is the amount of money you pay or contribute towards a claim you’ve made. Depending on the type of car insurance policy you have, there is a basic excess, and there might be other additional excess(s) listed on your Certificate of Insurance.

      An excess helps contribute towards the cost of repairing, fixing, or replacing an insured vehicle. The cost of your excess may vary depending on the type of car you drive, your age, your driving experience, and your premium.


      Enjoy a $50 Everyday WISH eGift Card with your Car Insurance.##

      Just link your Everyday Rewards Card and enter the promo code EDICAR50 when taking out a policy online.

      What are the different types of excess in car insurance?

      There are different types of excesses in car insurance and they often vary between insurance providers. Excess is influenced by:

      • What your claim relates to.
      • Who was driving your car.
      • The type of cover you have chosen.

       

      At Everyday Car Insurance, we have the following types of excess:

      Basic 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

      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.

      When might I not have to pay car insurance excess?

      There are some situations where you might not need to pay an excess, such as if:

      • The damage was caused by a third party driving another vehicle;
      • you weren’t at fault for the accident; and
      • the third party that caused the damage can be identified.

       

      See the Car Insurance Product Disclosure Statement for more information about excess.


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      Why pick Everyday Car Insurance?

      Drive Less Pay Less.

      Comprehensive cover for less. Eligible drivers could save up to $320 with Drive Less Pay Less.*
       

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      * Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Eligibility for Drive Less Pay Less is determined by your individual circumstances, including the kilometres selected and other risk factors and underwriting criteria.

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      Important information.

       

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      ## To receive a $50 Everyday Wish e-Gift Card, you must enter promo code EDICAR50 and successfully link your active registered Everyday Rewards card when purchasing the participating Everyday Car Insurance policy online between 14 May 2025 and 30 June 2025.

      This offer is only available when purchasing new Car Insurance policies online excluding from aggregators. This offer can be redeemed once per Everyday Rewards Member.

      The $50 Everyday Wish e-Gift Card will be sent to you via the email address you have provided on the policy within 30 days of the first premium being paid in full,  provided your policy remains active and has passed the cooling off period. The Everyday Wish e-Gift Card is issued by and remains the property of Woolworths and may be used at participating stores only. Not redeemable or reloadable for cash. Full terms and conditions at giftcards.woolworths.com.au. This offer will not be allocated to any changes you make to your policy post purchase during the offer period or beyond. 

      Enjoyment of Everyday Rewards, and Everyday Car Insurance offers is subject to the Everyday Rewards Terms and Conditions, and meeting the eligibility criteria specified in the Everyday Car Insurance PDS associated with the chosen plan. Woolworths reserves the right to vary, withdraw or extend this discount or an offer at any time, and will provide reasonable notice of any adverse changes.

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      * Savings between $0 to $320 derived from premium comparisons between Everyday Comprehensive car cover option and Drive Less Pay Less option. Calculations based on profiles of existing Everyday Car Insurance customers who drive 15,000km or less  annually. Current as at 06 March 2024. Eligibility for Drive Less Pay Less and actual savings is determined by your individual circumstances, including the kilometres selected and other risk factors and underwriting criteria. Minimum premiums may reduce savings. Kilometres can be increased to a limit of 15,000km per period of insurance for an additional premium. In the event of a claim, if the end odometer reading is exceeded, an additional Outside odometer excess will apply.

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      Cover and benefits are subject to eligibility criteria and terms and conditions, including the limits and exclusions of the insurance policy. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Car Insurance Product Disclosure Statement and consider the Target Market Determination to decide if it is right for you.

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