The excess is the portion of an eligible claim that you bear under the policy. Its amount and application can vary by cover, event, driver or vehicle. A lower premium can sometimes come with a higher excess, so compare both numbers.

Ask for an example using a realistic repair bill. Confirm whether a young or inexperienced driver excess applies, and whether windscreen claims use a separate amount. Read the actual schedule: a general explanation cannot replace your contract.

Next step: Read our explanation of a motor excess and call +1 (767) 235-8294 for your policy details.