$4000 AUD excess with Allianz costs $281 AUD and with you $135 AUD

$6000 AUD excess with Allianz costs $383 AUD and with you $295 AUD

Can you please help me understand why is there such a difference? Is the cover the same regardless of getting it through you or through the Allianz website?

Thank you.

MY REPLY WAS:

Exact same policy Josey, only you are paying a premium with Allianz and Hiccup (they are the system provider) as they are covering
21 to 75 year olds in the same policy.

We have split our policy up to:
25 to 75 and
21 to 24 year olds

So if you were 22 years old our’s would cost you around the same price as with Allianz