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If you have a standard policy, your car is covered no matter who is driving (with a few exceptions).

If you have a Nominated Driver policy, drivers under 25 aren’t covered (except learners accompanied by a fully licensed driver over the age of 25). Also, if someone’s driving and they’re not listed on your Nominated Driver policy, you’ll pay a higher excess if you make a claim.

Your can find more information in the Motor Vehicle PDS.