Why do I have to pay an excess if I'm not at fault?
An excess is your contribution to the cost of a claim. It is the amount you self-insure. If you make a claim, one or more excesses will apply, unless your PDS/Policy says otherwise. The description of those excesses and the circumstances in which they’re applied are shown in the relevant Policy Section of your PDS and Policy Wording, or in your Policy Schedule.
Information on how and when an excess applies can also be found in the Product Disclosure Statement (PDS).