This article only applies to our Car Insurance policies. If you’re unsure about which policy you have, please refer to this article.
Your excess is the amount that you’ll have to pay towards any successful claim you make. For example, if we agree to settle your claim for £1,000 and you have a combined excess of £100 on your policy – we would pay you £900.
If the car is being repaired, you may have to pay the £100 combined excess directly to the garage.
There are different excesses for different parts of your policy – you’ll find the details of these in your policy document. It’s also worth noting that in some cases, more than one excess will apply.
For example, if your policy has a £100 compulsory excess for fire and theft claims, and you have selected a voluntary excess of £400, the combined excess for a theft claim would be £500.
If you already have a policy with us, you can view your policy documents or update your voluntary excess through the My Account section of our website.