Can I change my policy excess?

You will need to choose your policy excess at the time of purchasing your policy.

At the time of purchasing a Single Trip policy, You will be asked to nominate Your policy Excess. You can choose to reduce or increase the standard Excess. If You choose to 
reduce the Excess, You will be required to pay additional premium. If You choose to increase the Excess, You will receive a premium discount.  

The Excess You choose will be noted on Your Certificate of Insurance. It is not possible to alter the standard $200 Excess on Annual Multi Trip policies.

 
The standard or chosen Excess is applied for each incident that results in a valid claim. 
If You make multiple claims against Your policy, the Excess will be applicable to each claim that arises from a different incident.   

If You apply for cover of a Pre-existing Medical Condition which is not automatically covered by the policy and We agree to cover it, We may choose to apply a higher Excess to any claim arising from that Pre-existing Medical Condition. 

If You accept this higher Excess, it will be clearly shown on Your Medical Conditions endorsement which We will send to You upon purchase of the policy.  

Similarly, if You request cover for an activity which is not covered by the policy and We 
agree to provide cover, We may choose to apply a higher Excess to any claim arising from that activity. 

Please refer to our Product Disclosure Statement (PDS) / Policy Wording.

Product Disclosure Statement (PDS) for Australian residents 

Policy Wordings for New Zealand residents