[oldman]

After reading my BD policy document it appears that they will not cover another driver that lives in the household that is not named on the policy, but will cover "Other driver" not living with you (ie a friend), with an excess.

That's very odd...

Anyway, I've cancelled the policy now and gone with NRMA. Worth the bit extra and all I have is an excess for drivers under 25.

Also pleased that my preferred repairer's quote is one accepted by AAMI and the other repairer to quote they are want is also one that I would have no hesitation in using.

Will be going through any PDS with a fine tooth comb from now on and staying away from cheap crap insurance companies.

Thanks for the comments and advice guys...