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When do you pay excess on car insurance?

By  AAMI

 

There are a few different types of car insurance excess. Whether you have to pay any or all of them when you make a claim depends on the type of incident, who was driving, and whether they were at fault.

When does an excess apply?

The table below explains the excesses that apply to common AAMI car insurance claim types. For other types of claims, we’ll tell you what excesses apply when you make a claim.

AAMI FlexiPremiums® Excess

The range of AAMI Flexi-Premiums excesses we offer is between $95 and $1,550. If chosen, this excess applies in addition to any other excess that applies. Choosing a higher AAMI Flexi-Premium excess reduces your premium.

Age excess

An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.

If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.

Inexperienced driver excess

An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.

Driver history excess

A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.

Age excess

An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.

If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.

Inexperienced driver excess

An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.

Driver history excess

A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.

Age excess

An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.

If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.

Inexperienced driver excess

An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.

Driver history excess

A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.

 
Standard Excess
Other excesses (if applicable)

Theft or attempted theft of your car

Standard Excess
 
AAMI FlexiPremiums® Excess
 
Other excesses (if applicable)
 

Storm, hail, flood or fire damage

Standard Excess
 
AAMI FlexiPremiums® Excess
 
Other excesses (if applicable)
 

Malicious act or vandalism

Standard Excess
 
AAMI FlexiPremiums® Excess
 
Other excesses (if applicable)
 

Damage to your car whilst parked caused by an unidentified person or driver

Standard Excess
 
AAMI FlexiPremiums® Excess
 
Other excesses (if applicable)
 

Collision with or by an animal

Standard Excess
 
AAMI FlexiPremiums® Excess
 
Other excesses (if applicable)

Windscreen or window glass damage only*

Standard Excess
*
AAMI FlexiPremiums® Excess
*
Other excesses (if applicable)
*

An accident where the driver of your car caused or contributed to the damage

Standard Excess
 
AAMI FlexiPremiums® Excess
 
Other excesses (if applicable)

An incident where you can show the driver of your car didn’t contribute to the accident (this means the other driver was entirely at fault) and you can give us the name and address of the at fault driver and the registration number of the at fault vehicle**

Standard Excess
 
AAMI FlexiPremiums® Excess
 
Other excesses (if applicable)
 

An incident where you can show the driver of your car didn’t contribute to the accident but you cannot give us the name and address of the at fault driver and the registration number of the at fault vehicle**

Standard Excess
 
AAMI FlexiPremiums® Excess
 
Other excesses (if applicable)

*When the only damage to your car following an incident in the period of insurance is to the windscreen or window glass (including sun roof), we cover the reasonable cost to repair or replace windscreen or window glass (including sun roof) without you having to pay an excess.​

For more information on excesses, refer to the AAMI Comprehensive Car Insurance Additional Information Guide.

Explore AAMI Car Insurance  

Insurance is issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading as AAMI. Read the Product Disclosure Statement before buying this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

**If you cannot supply the at-fault driver’s name, address and vehicle registration number it means we will not be able to waive your excess. It does not otherwise impact the cover under your policy or your ability to make a claim.

Driver history excess

A driver history excess applies if we have agreed to insure a driver who has had their driver’s licence cancelled, suspended, disqualified or restricted in the 3 years prior to the start of the period of insurance and they were driving, using or in charge of your car at the time of the incident.

Inexperienced driver excess

An inexperienced driver excess applies if the driver is 25 years of age or over and has held their driver’s license for less than two consecutive years. An Age excess applies if the learner driver is under 25. The amount differs depending on whether the driver is listed on the policy or not.

Age excess

An age excess applies if the driver is under 25 years of age. The amount differs depending on whether the driver was listed on the policy or not.

If the driver is a learner driver, the age excess that applies is as if the learner driver was listed on the policy.

AAMI FlexiPremiums® Excess

The range of AAMI Flexi-Premiums excesses we offer is between $95 and $1,550. If chosen, this excess applies in addition to any other excess that applies. Choosing a higher AAMI Flexi-Premium excess reduces your premium.