A car insurance excess is the amount you pay towards any claim you make against the policy. Excesses are split between compulsory (what the insurer applies) and voluntary (what you agree to pay). By agreeing to pay a voluntary excess, your premium could be cheaper.
Here's an example:
If your compulsory excess is £250 and your voluntary excess is £100, then the total excess (i.e. the total amount you’ll pay if you make a claim) is £250 + £100 = £350.
Say you have an accident and you make a claim.
The bill to repair the damage comes to £1,000.
You pay your £350 excess towards the bill.
We cover the balance of £650 to settle the bill.
Everyone's excess is different. To find out how much you might have to pay if you had to make a claim, please check your policy documents.
If you don't use one of our recommended repairers for your repairs you'll need to pay an additional £200 excess and we can't offer a courtesy car or warranty on the repairs.