An excess is the amount you may have to pay toward a claim.  There are different excesses that apply depending on the claim you’re making and the terms of your insurance policy with us.
For example, if your car is damaged in an accident where we determine you are not at fault, you may not need to pay an excess. However, if you were at fault, you would need to pay the excess.
We will advise you if you will need to pay an excess on your claim.