NLIC.org

Steve Said:

Car Insuurance on the web?

We Answered:

I used this one

Rodney Said:

Can car insurance claim be denied on overseas licence?

We Answered:

If the other driver was at fault then there is no reason why you should be making the claim.
If you make a claim- you will have to pay the excess which is completely unnecessary seeing as you were hit by an insured driver. To top this off, because you are making a claim, your insurance premium may go up next year.
The other person has third party insurance- this means that YOU are covered under THEIR insurance. This is exactly what third party insurance is for- people who dont want their own car covered, but want to ensure that if they cause any damage- the other car can be repaired so they are not at a massive financial loss.

As far as the claim process goes- it really depends on your insurance company. Some companies will not require you to list a learner driver, as they should be under your control. Other companies may require all the drivers to be noted on the policy, and will not pay out should an incident occur involving an unlisted driver on the policy.
I don't think the overseas licence should matter, seeing as she does have an Australian Learner's permit, and you were in the passenger seat when the incident took place- as the Permit obviously permits her to drive in Australia, provided that she meets the criteria while driving (having a fully licenced driver in the passenger side, who is not under the influence.)