Open driver cover means anyone is covered to drive your car, ride your motorcycle or tow your caravan/trailer as long as they have your permission and are following the conditions of their licence and your policy.Terms, conditions and excesses may apply. Please see your Product Disclosure Statement (PDS) for more information.
Your no claim bonus is a discount applied to your comprehensive car or caravan/trailer premium as a reward for your safe driving.
Your no claim bonus may decrease when you make a claim where there is no third party to recover costs from. For more information please see your Product Disclosure Statement (PDS) and our Premium, Excess and Discount (PED) Guide.
Depending on your circumstances, you may need to pay more than one type of excess. We will tell you if any other excess applies based on your individual risk details and claim scenario.