What is car insurance excess

A car insurance excess is the amount that you have to pay yourself if you make a claim. There are two types of excess: Compulsory excess - this is a fixed excess, set by us, which you'll have to pay if you make a claim. The amount varies depending on your circumstances.

Is it better to have high or low excess?

Generally, a higher excess is considered higher risk. But it might save you money right now. If you're an infrequent driver and mostly have your car safely stored then the level of risk may be low and the savings could be great.

How does excess insurance work?

Insurance excess is the amount you have to pay towards the overall cost of an insurance claim. It's usually a pre-agreed amount. Your insurer will then contribute the rest – up to the limit of the cover. You'll see insurance excess on insurance products like travel, motor, home and health.