For example, as a New Driver, you would have paid $10,000 (before GST) for an accident. The insurer would reimburse you $9,000 (before GST) for a successful claim.

Or in the above example, your accident turns out to cost $8,000 (before GST) instead of $10,000 (before GST) you would pay $8,000 (before GST). The insurer would reimburse you $7,000 (before GST) for a successful claim.

Either way, after the completion of claim, you would only have paid $500 (before GST) per section of rental excess.