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When we add these taxes and charges to your risk premium, we will always add any fire services levy first, then
GST and then any stamp duty.
What about discounts?
Bingle Insurance doesn’t start with higher prices just so we can lower them with discounts. The price we offer
you will be our best price. It will be based on the insurance risk you have asked us to cover and may take into
account current market conditions.
Total premium
Your total premium is made up of the risk premium, plus any applicable government taxes and charges. Our
receipt will always show the premium you paid us.
When we offer to renew your policy, the premium we offer is likely to be different to what you paid last time,
even if your personal circumstances haven’t changed. This is because the effects of some or all of the
premium factors that we take into account are likely to have changed. Changes to government taxes and
charges can also impact your renewal premium.
If you have any questions about how we calculate your comprehensive car insurance premium, please email
us at anytime at bingle@bingle.com.au
2. What excesses apply when you make a claim?
An excess is the amount you have to pay for each occurrence. If your claim is for more than one occurrence,
you’ll need to pay the excess(es) applicable to each occurrence.
A Bingle Comprehensive Car Insurance Policy has four types of excess. They are described below and further
explained in the table that follows.
Standard excess A standard excess applies to all claims unless stated otherwise in the PDS.
Age listed driver excess This applies if a driver under 25 years of age was driving, using or in charge of your
car at the time of the occurrence and is shown on your car insurance schedule as a listed driver. This excess is
in addition to any other excess that applies.
Age unlisted driver excess This applies if a driver under 25 years of age was driving, using or in charge of
your car at the time of the occurrence and they’re not listed on your car insurance schedule as a listed driver.
This excess is in addition to any other excess that applies.
Unlisted driver excess This applies if a driver 25 years and over was driving, using or in charge of your car at
the time of the occurrence and they’re not listed on your car insurance schedule as a listed driver. This excess
is in addition to any other excess that applies
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