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 you have a compulsory excess of £100 and you choose a voluntary of £100 the total excess you would need to pay in the event of a claim is £200.