An excess is the amount you pay towards the cost of your claim for each incident covered by your policy. A standard excess applies to all claims unless stated otherwise in the PDS.

Depending on your level and type of cover, you can increase your excess by choosing a voluntary excess (from the range we offer, between $200 and $2,000) to reduce your premium. A voluntary excess applies to all claims in addition to your standard excess. In the event of a claim, your standard excess remains the same and the voluntary excess represents an additional payment. 

The option of paying a voluntary excess only applies to the following products:

  • Car insurance (Platinum and Comprehensive only)
  • Caravan insurance
  • Motorcycle insurance 
  • Boat insurance (Comprehensive only)
  • Business insurance


If you have a Home, Landlord or Strata Insurance, you also have the option of increasing your standard excess.

For further information please check your PDS or contact us.