What is excess in car insurance?

What are the different types of excess in car insurance?

At Everyday 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.

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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.

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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.

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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).

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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.