Excess

What is an excess?
An excess is the amount you have to pay if you make a claim on a car insurance policy. NOTE, if the accident was not your fault you may be able to claim a reimbursement from the person at fault’s insurance company.
You have a choice of voluntary or compulsory excess (see below).

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What if I have a high performance car?
High performance cars tend to be very expensive, but its not just the buying of the car. It's also the cost of maintaining, repairing it, and particularly the cost of insuring that you need to fully consider. High performance Car Insurance can cost anywhere up to about £10,000 a year, so shopping around can save you a small fortune.
How do I make a claim on a Motor Insurance policy?
You should also take the time to familiarise yourself with the claims procedures at each new motor insurance company you use. Each company has a slightly different claims procedure, it is imperative that you understand both what is covered and how you should approach making a claim against your policy.
What Do I need to do if using my Car abroad?
No matter where you go in Europe, be it Ireland, Wales, Scotland or the mainland, you are covered for at least the minimum level legally required in that country with your UK motor insurance policy.
How do I find the cheapest motor insurance premiums?
In order to get the best possible quote for your Motor insurance you should compare and contrast quotes provided by many different insurers. You'll find the difference between quotes can be enormous with a potential 50% difference between the most expensive and the cheapest quote.
Can I use my car for business use?
Class SDP. This class of motor vehicle use is for the policyholder and Named Drivers only using the vehicle for social, domestic and pleasure
What is compulsory excess?
A compulsory excess is the minimum excess value your insurer will allow you to pay whilst taking one of their policies. Most frequently, young drivers have to bear an increased excess which may be as much as £500. There is usually a compulsory excess for fire and theft of £100 on most motor insurance policies.

What is voluntary excess?
An voluntary excess is an additional excess value which you may chose to pay on each claim. By adding a voluntary excess value you are reducing the risk to your insurer and will therefore benefit from a reduced premium as a result.

My car has now been repaired and the garage has asked me to pay the policy excess - should I pay them?
Yes, but only when you are satisfied with the quality of the repair. You should always retain a receipt, as this will be required if a claim for uninsured losses is to be pursued. Make sure you have documented all repairs that have been made to your vehicle.