INSURING YOUR CAR
Why everyone who drives your car needs to be listed on your policy
You should list everyone (except learner drivers) who will drive your car more than once during the period of insurance, whether that's regularly or only occasionally.
What is an additional driver?
An additional driver is someone who drives your car but isn’t listed as the insurance policyholder. So, if the insurance policy for your car is in your name, but your partner or a family member drives it more than once – that person is an additional driver.
Are drivers still covered if they’re not listed?
GIO will still cover unlisted drivers if they would have been accepted as a listed driver had we been told about them. Though they may have to pay a higher excess in the event of a claim*.
However, if you know someone will drive your car more than once during the period of insurance, you must list them on the policy and during the period of insurance you must tell us as soon as possible if the listed drivers of your car change.
When you should list certain types of driver
You don’t need to add a learner driver to a GIO Car Insurance policy. Since they will always be supervised by another experienced driver, that driver’s coverage applies. If an incident does occur and the driver of your vehicle caused or contributed to the accident an age excess will apply if they are under 25 years or age or inexperienced driver excess will apply if they are 25 years of age or over.
If the driver will be driving the vehicle repeatedly, they must be listed on the policy as soon as they transition from a Learners to a Provisional licence.
Family or friends
If family or friends will be driving the vehicle repeatedly, they must be listed on the policy. If someone you trust absolutely needs to use your car as a once off you do not need to list them. Listing a driver online is easy. You can add listed drivers online or via the GIO App.
Does it cost extra to add drivers to your insurance?
There is no fee for adding additional drivers. However GIO calculates insurance premiums based, in part, on the drivers added to a policy. As this takes their gender, age and driver history into account, insurance premiums can be affected.
If you’re looking for ways to save on your insurance, GIO has a few. One is to increase your voluntary excess to lower your premium, if this best suits your circumstances. If not, you may wish to consider one of the alternative options.
- Car Insurance excess explained
- Buying a car for your child: A 2021 guide
- How to choose the right car insurance
* An age excess of $400 if a driver under 25 is listed on your policy, or of $1,400 if they are not listed. If a learner was driving, they are treated as a listed driver. The age excess will not apply if, at the time of the incident, the person in control of the car was being paid for a service (not ridesharing), i.e. where the car is being serviced or test driven, or driven by a car park attendant or valet.
* An inexperienced driver excess of $400 if a listed driver is 25 years of age or older and has held their licence for less than two years, or of $1,400 if an unlisted driver is 25 years or older and has held their licence for less than two years. If the driver is a learner driver, the inexperienced driver excess that applies is as if the learner driver was listed on your certificate of insurance. The inexperienced driver excess will not apply if, at the time of the incident, the person in control of the car was being paid for a service (not ride-sharing), i.e. where the car is being serviced or test driven, or driven by a car park attendant or valet.
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.
The information is intended to be of general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon the information. Please make your own enquiries.