Car Insurance Excess Calculator Australia

Understanding Car Insurance Excess in Australia

Your excess is the amount you contribute toward a claim - the insurer pays the rest. Multiple excesses can stack on top of each other depending on the circumstances of your claim.

Types of Excess

• Basic/standard excess: Applies to every claim regardless of fault
• Age excess: Additional amount if the driver is under 21 or 21-24
• Inexperienced driver excess: Applies if the driver has held a licence less than 1-2 years
• Unlisted driver excess: Applies if the driver wasn't named on the policy

Can You Reduce Your Excess?

Most insurers let you choose a higher voluntary excess in exchange for a lower premium, or a lower excess for a higher premium. Some also offer excess-free windscreen claims.

Estimates only - always check your specific Product Disclosure Statement (PDS) for exact excess amounts.