Upload your Australian motor-insurance PDS, policy schedule, renewal notice or quote. Understand excesses, exclusions, sub-limits and claim conditions before you pay, renew or claim.
Upload your Australian motor-insurance document. No sign-up required.
Your document is being examined locally against Australian motor policy terms.
Educational disclaimer: PolicyLens AU provides educational policy analysis. It is not legal, financial, insurance or claims advice.
Australian motor-insurance documents can contain detailed excess rules, exclusions, benefit limits, driver conditions and claim requirements. Small wording differences can affect what you pay after an incident and whether a claim is straightforward.
Basic excess, additional excess, age excess, inexperienced-driver excess and unlisted-driver excess can apply in different circumstances. In an at-fault accident, these can stack into unexpected thousands.
Benefits such as hire car, towing, personal effects, child seats, trailers and windscreen cover may be capped or conditional. Policies differ drastically on whether you receive excess-free glass or hire cars after accidents.
Notification timeframes, evidence requirements, repair processes and policy conditions can affect the claims experience. Missing strict police notification windows or using unapproved repairers can compromise your claim.
Explore common scenarios where PolicyLens helps Australians navigate complex insurance wording.
Maya often lets her 23-year-old brother borrow her hatchback on weekends.
She wondered whether her policy applied if an unlisted or younger driver had an accident.
PolicyLens can help someone check their PDS for age-based and unlisted driver excess terms.
A user could use PolicyLens to identify where age restrictions and additional excesses are defined in their policy schedule.
This helps clarify what conditions apply before handing over the keys.
David has owned his sedan for seven years and prefers using his trusted local repairer for all maintenance.
When reviewing his comprehensive renewal, he wanted to know if he was free to select his own repairer.
PolicyLens can help someone understand whether a policy includes a choice-of-repairer option or mandates insurer-preferred repairers.
A user could use PolicyLens to locate clauses governing repair authorizations and parts replacement definitions.
This provides a clear view of repair conditions before a claim ever arises.
Fatima started using her family SUV occasionally for parcel deliveries alongside her accounting commute.
She was unsure whether incidental commercial driving breached her standard private-use policy.
PolicyLens can help someone check standard vehicle use classifications and business-use exclusions in their PDS.
A user could use PolicyLens to spot how "carrying goods for hire or reward" is defined across policy documents.
This assists in understanding vehicle usage boundaries described in the wording.
Marcus parks his utility vehicle outdoors in an area prone to severe summer storms and localized flash flooding.
He wanted to know how his comprehensive policy distinguished between rainwater runoff, storm damage, and defined flood events.
PolicyLens can help someone locate specific definitions and water-damage limits in an insurer's PDS.
A user could use PolicyLens to review standard exclusions and waiting periods associated with severe weather events.
This helps someone navigate complex hydrologic terms in their documentation.
Chloe recently financed a reliable secondhand compact car for commuting to university and her apprenticeship.
She was puzzled by the difference between "agreed value" and "market value" listed on her insurance quote.
PolicyLens can help someone compare how valuation methods and total loss settlements are explained in policy schedules.
A user could use PolicyLens to inspect excess deductions and salvage clauses that apply in total loss scenarios.
This clarifies technical valuation language so policyholders know where to look.
Geoff frequently drives along gravel roads in southern Tasmania where loose stones and chipped windscreens are common.
He wanted to know if his policy charged a standard excess for windscreen replacement or offered an excess-free glass option.
PolicyLens can help someone check whether excess-free window glass cover is included or requires an optional add-on.
A user could use PolicyLens to find clauses relating to vehicle accessories, roof racks, and windscreen claims.
This allows someone to verify policy conditions against their daily driving conditions.
Upload your Australian motor-insurance document and get a plain-English view of the terms that matter.
Decode my policyEducational policy analysis only. Not legal, financial, insurance or claims advice.
Understand the fine print before you claim or renew. Explore our in-depth, plain-English guides to Australian motor insurance.
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