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  1. Home
  2. Insurance
  3. FAQs
  4. secure-motor-contextual-faqs
  5. Main driver details

Are learner drivers covered to drive my car?

Yes, learner drivers are automatically covered to drive your car under supervision, and you don’t need to list them on your policy.

Learner drivers are not required to be listed on a policy and do not attract a separate learner driver excess. If a learner driver is in control of the car at the time of accident, they will incur one of the following:

  • an age excess (if under 25yrs old), or
  • an inexperienced driver excess (if 25yrs old and over).

Please note: We don’t cover learner drivers to drive a hire car obtained under your insurance policy. Additionally, we don’t cover any driver under the age of 25 while driving a high-performance vehicle. Terms and conditions apply. For the full details, see the Car Insurance Product Disclosure Statement (PDS).

Can a family member make changes to my car insurance policy?

If you’re the policyholder and want to allow someone else to make changes to your car insurance policy, you’ll need to authorise them.

To do this, you can:

  • nominate them as an authorised representative, or
  • list them as a joint policyholder

When adding a joint policyholder there are some things you should consider:

  • We’ll treat any statements, acts or claims made by one policyholder as if it were made by all;
  • Only persons with a financial interest or ownership in what is being insured should be added as a joint policyholder;
  • Joint policyholders are entitled to benefit under the policy.

After you’ve purchased your policy online, you can call us on 13 11 55 to make these changes. 

Will I be covered if an unlisted driver uses my car?

This will depend on the circumstances of each individual claim. Generally, we cover any authorised driver (including a Listed Driver), if they meet the terms in the Product Disclosure Statement (PDS)

Keep in mind that if an unlisted driver is using the vehicle at the time of a claim, additional excesses may apply. For more details, check our Additional Information Guide (AIG).

Do I need to list all drivers on my car insurance?

Yes, all drivers who are likely to drive your car regularly must be listed. The exception is learner drivers, who don’t need to be included.

Keep in mind:

  • Listing additional drivers can impact your insurance premium.
  • An extra $400 inexperienced or under-25 driver excess may apply, on top of other excesses, if applicable.
  • While learner drivers don’t need to be listed, if they are driving or in charge of the vehicle during an at-fault incident, the relevant age or inexperienced driver excess will still apply.

Failing to list someone who regularly drives your car may result in additional excesses or even a reduction or refusal of a claim.

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GENERAL INSURANCE

Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.

General Insurance (including Home Building, Home Contents, Landlord, Strata, Car, CTP, Motorcycle, Caravan, Motorhome, Boat Insurance, Business Insurance and Barristers Insurance) is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance.

SUNCORP HEALTH INSURANCE
Suncorp Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib. Read the policy booklet before buying this insurance.

SUNCORP LIFE INSURANCE
Suncorp Life Insurance products, other than in some circumstances the Redundancy Benefit, are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Suncorp Group. TAL Life uses the Suncorp brand under licence from the Suncorp Group. Redundancy Benefit provided on or before 31st March 2020 was issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 are issued by TAL Life. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.

Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Product you must read the relevant Product Disclosure Statement. The Target Market Determination (TMD) for the product is also available.

TAL Life is proud to have adopted the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.