Four types of excess may apply to your policy:
Vehicle excess: you must pay the vehicle excess specified on your Certificate of Insurance for most claims
Driver excess: if a driver specified on the Certificate of Insurance has a driver excess, it must be paid in addition to the vehicle excess
Undisclosed driver excess: when a driver aged 25 years or older and not listed on the Certificate of Insurance is driving, an additional undisclosed driver excess applies
Undisclosed driver age excess: if the driver of your vehicle is under 25 years old and not listed on the Certificate of Insurance, an additional undisclosed driver age excess applies