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When do I need to pay an excess?

You need to pay an excess for each incident which is the subject of a claim, unless your car is involved in a no-fault accident with another vehicle. Some examples of when an excess needs to be paid include:

  • If you have a non-recoverable collision.
  • If your car has been stolen or catches fire.
  • If your car has been damaged by severe weather. For example, hail or damage caused by flying debris in high winds.
  • If your window glass has been cracked or smashed. Please note when you take out, or renew a policy we offer the option to reduce for your window glass excess to just $40.
  • If your car has been maliciously damaged.

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