Am I covered if I drive someone else's car?
Your Comprehensive Car Insurance or Third Party Car Insurance policy is only attached to your vehicle. It doesn't follow you when you drive other people's cars.
When it comes to your car, learn who you should list as an additional driver and what excesses might apply to someone else driving your car in an insured event. Whatever your car insurance policy, all drivers (excluding learner drivers) who will drive your car repeatedly must be listed on the policy. If drivers are not listed when you make a claim, a higher excess may apply.
It's always best to read over your Certificate of Insurance (COI) and the relevant Product Disclosure Statement (PDS) so you know exactly where your coverage extends to.
To retrieve your Certificate of Insurance, follow these steps…
- Sign into your AAMI My Account
- Select the policy you want
- Select 'View policy'
- Select 'Get documents'
- Choose 'Certificate of Insurance' from the drop-down menu
- Make sure the correct email address is entered and click 'Send'
Your SA Compulsory Third Party (CTP) policy, NSW CTP Green Slip policy, or ACT Motor Accident Injuries Insurance (MAI Insurance) policy is attached to your vehicle, and covers people injured in a motor vehicle accident, regardless of who is driving the vehicle at the time.