Comprehensive Coverage Audit

What PolicyLens AU checks

A category appears in your report only if matching wording is found in your uploaded document. We examine 25 core Australian motor-insurance provisions across excesses, benefits, vehicle usage, and claim conditions.

Policy Check Categories

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Basic excess

Moderate

The standard contribution you pay on every claim before the insurer covers the balance.

Ask insurer: Confirm your basic excess amount and whether it varies for at-fault incidents.

Age-based excess

Moderate

Drivers under a stated age (commonly under 25) can trigger substantial additional excesses.

Ask insurer: Check which age thresholds trigger extra excess.

Unroadworthy vehicle

Critical

Operating a car with bald tyres or mechanical defects can legally void your cover after an accident.

Ask insurer: How is vehicle condition assessed after an incident?

The 4 Key Audit Domains

How we organize Australian motor insurance policy findings

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1. Excesses

Basic excess, Additional excess, Age-based excess, Inexperienced-driver excess, Unlisted-driver excess, and Excess waivers.

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2. Cover & Value

Agreed vs market value, Theft cover, Storm flood & hail, Windscreen and glass, Towing, Hire car, Choice of repairer, Personal effects, Child seats, Trailers.

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3. Vehicle & Usage

Private cars, SUVs & 4WDs (bull bars, off-road & recovery), Utes & Pickups (tray loads & canopies), Vans & Campervans (conversions & gas fittings), Motorcycles & Scooters (riding gear & pillions), and Commercial vehicles (tools & GVM).

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4. Driver & Claims

Licence conditions & eligibility, Claim notification deadlines, Evidence requirements, Duty of disclosure, AFCA complaints & disputes.

See how your policy compares

Upload your PDS or schedule to see exactly which of these 25 categories appear in your cover.

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