Excess amounts vary from policy to policy, but you can find yours in your Insurance Schedule.
Come renewal time, you can also choose to increase your standard excess to help save on your premium. Generally, the higher the excess, the higher the saving on your premium. This does mean, though, that you will need to pay more if you ever make a claim for an incident in which you’re at fault.
If applicable, you may be charged a further excess on top of your standard excess. These include:
- Age excess: This is when the person driving the car is under the age of 25.
- Unlisted regular driver excess: This is when the person driving the car isn’t listed on your insurance policy.
For examples where these excesses would apply and for further information, it’s best to read our guide to Premiums, Excesses and Claims.