What is an excess in car insurance?

Depending on the circumstances of the incident that led to your claim, more than one excess might be applicable to your claim. Here at Bingle we have three types of excess:

• a standard excess that applies to all claims, unless otherwise stated in your Product Disclosure Statement (PDS)
• an age excess, which applies if you, or the driver using your car at the time of the incident, is under 25 years old, and
• an unlisted driver excess which applies if the driver using your car at the time of the incident was a household member or regular driver, and who was not a listed driver on your policy. This excess will not apply to learner drivers as long as another driver listed on the policy is a passenger in your car.

Claims Payment examples and information about excesses can be found in our Premiums, Excesses and Claims Guide (PED).

For Comprehensive Car Insurance your standard excess will vary depending on your State or Territory where the car is kept and the amount you selected when you bought or renewed your policy.

For Third Party Property Damage policies, the Standard excess varies based on which State or Territory you’ve noted for where the car is kept. Your excess can be found in your Insurance Schedule.

Compare our Comprehensive Car Insurance and Third Party Property Damage Car Insurance to see the different options. Read the PDS to see the different excesses that may apply if you need to make a claim.

Already part of the Bingle family? View your standard excess and additional excess amounts on your Insurance Schedule - get a copy of this in Policy Self Service.

Here at Bingle, on our Comprehensive Car Insurance, we offer a range of excesses depending on your state. When looking over quotes, try testing out different levels of excess so you can choose the cover that suits your needs and budget. Keep in mind that your premiums will change depending on what your excess is. So, if you have a higher standard excess you're likely to pay less on your premiums.

For our Third Party Property Damage insurance, our excesses are set amounts, (you're not able to opt for a higher or lower excess when you buy a policy). Your excess can be found in your Insurance Schedule.

Compare our Comprehensive Car Insurance and Third Party Property Damage Car Insurance to see the different options. Read the PDS to see the different excesses that may apply if you need to make a claim.