Flow Car Insurance FAQs

What's the difference between a voluntary and a compulsory excess?

A car insurance excess is the amount  you have to pay out 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                    
  • Voluntary excess - this is the amount that you agree to pay, in addition to your compulsory excess, if you make a claim. People agree to a voluntary excess in return for a lower premium. 

Please check your insurance documents for confirmation of your payable excess. 

For example, if we've set a compulsory excess of £250 and you choose a voluntary excess of £100, the total excess you will need to pay in the event of a claim would be £350.

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