If you make a claim, you’ll have to cover a portion of the cost. This amount is called the ‘excess’.

It’s made up of the voluntary excess you can choose when you get a quote from us, as well as any compulsory excess that’s part of the policy. If you already have a policy with us, you can see your total excess on your policy schedule.

Your excess is the amount of money you’ll pay towards the replacement or repair of your car or medical costs after an incident. The higher you set your voluntary excess, the lower your premium will be. But the higher your total excess cost, the more you’ll end up paying if anything does happen. Making sure you use an approved repairer and keeping your Miles Tracker plugged in will ensure you pay the lowest excess in the case of an incident.

If you’re comparing our price with other insurers, make sure the total excess is the same.