When shopping for car insurance in Adelaide, one of the most misunderstood aspects is car insurance excess. Whether you’ve recently taken out a policy or you’re comparing your options, understanding how excess works is key to making informed decisions that suit your budget and lifestyle.
So, how does car insurance excess work in Adelaide? Let’s break it down, explain your options, and share some practical tips to help you choose the right excess level for your needs.
What Is Car Insurance Excess?
Car insurance excess is the amount you agree to pay out of pocket when you make a claim on your policy. For example, if your excess is $750 and your repair bill is $3,000, your insurer covers the difference, and you pay the $750.
In most cases, choosing a higher excess can reduce your premiums, while a lower excess will generally mean higher premium costs. The key is finding the right balance.
Types of Car Insurance Excess in Adelaide
There are several types of excess that may apply to your motor insurance in Adelaide, depending on your policy and situation:
- Standard Excess: This is the basic amount that applies to most claims.
- Voluntary Excess: You can choose to increase this amount to lower your premium.
- Age/Inexperienced Driver Excess: Applies if a driver under a certain age (often under 25) is involved in an accident.
- Undeclared Driver Excess: If a driver not listed on your policy causes an accident, this excess may apply.
- Special Excesses: May apply based on your vehicle type, previous claims history, or specific risk factors identified by the insurer.
At Westphalian Insurance Brokers, we’ll walk you through these details to ensure you’re not caught off guard when it matters most.
How Much Car Insurance Excess Should I Choose?
This is one of the most common questions we get as car insurance brokers in Adelaide. The answer depends on your individual circumstances.
Here are a few things to consider:
- Your Budget: If you have a bit of a safety net and can afford a higher out-of-pocket payment during an emergency, opting for a higher excess could reduce your regular premium.
- How Often You Drive: If you’re frequently on the road, especially in busy areas, you may want to go with a lower excess to avoid high costs after an accident.
- Type of Car: Newer or more valuable cars might justify lower excess options to ensure quick, affordable repairs.
- Driving Experience: If you’re an experienced and cautious driver, you may be comfortable taking on a higher excess as you’re less likely to need to make a claim.
If you’re not sure how much car insurance excess you should choose, Westphalian Insurance Brokers can provide tailored advice based on your lifestyle, risk profile and budget.
Tips for Choosing Car Insurance Excess in Adelaide
Choosing the right car insurance excess doesn’t need to be a guessing game. Here are some helpful tips:
- Understand All Excess Types: Don’t just look at the standard excess—make sure you’re aware of any additional excesses that might apply to your situation.
- Read the Fine Print: Some policies have multiple layers of excess or conditions that apply depending on who was driving or where the car was at the time of the incident.
- Balance Premiums and Risk: Don’t choose the cheapest premium without considering how much you’d be up for in an emergency.
- Ask for Advice: A local broker like Westphalian can help explain the jargon and highlight what works best for South Australian drivers.
- Review Annually: Your situation may change, so it’s worth reviewing your excess and cover every year when your policy renews.
Why Adelaide Drivers Trust Westphalian Insurance Brokers
At Westphalian Insurance Brokers, we’re proud to support Adelaide drivers with personalised, expert service. We’re not just here to sell a policy—we’re here to help you understand it.
Here’s how we make car insurance easier:
- Local Expertise: Our team knows Adelaide inside and out. We understand the unique challenges and risks local drivers face.
- Tailored Advice: Whether you need comprehensive cover, third-party, or just want to chat about excess options, we’ll tailor advice to suit your needs.
- Transparent Pricing: No hidden fees or confusing terms—just clear, honest guidance.
- Fast Claims Support: If you ever need to make a claim, we’ll be right there to guide you through it and get you back on the road quickly.
Your Car Insurance Options
Whether you’re looking for full protection or basic cover, we can help you choose from:
- Comprehensive Car Insurance – Covers theft, fire, damage to your vehicle and others, plus optional extras like windscreen and hire car.
- Third Party, Fire & Theft – A budget-friendly option that includes liability and limited cover for your own car.
- Third Party Only – Covers damage to other people’s vehicles and property.
- CTP (Compulsory Third Party) – Mandatory in SA, covers injury to others in accidents involving your vehicle.
All our policies are backed by trusted South Australian insurers and supported by our team here in Adelaide.
Talk to Westphalian – Your Local Car Insurance Broker in Adelaide
Still wondering how does car insurance excess work in Adelaide? Or not sure which policy is right for your car?
That’s what we’re here for. At Westphalian Insurance Brokers, we take the confusion out of insurance by offering clear advice, competitive pricing, and local support every step of the way.
Give us a call on 08 8232 3118, or request a quote online to speak with one of our Adelaide-based brokers today.