An excess is the amount of money you pay towards a claim on your vehicle insurance, even if you aren't to blame for any loss or damage.

We take the excess out of any payment we make to you, or to the garage who fix your vehicle.

How much you pay depends on which excesses apply.

You can add a voluntary excess when you buy your vehicle insurance, and this is added to the standard excess.

This might make your vehicle insurance a bit cheaper, but make sure you can afford to pay the excess in case you have to make a claim

You'll be able to see what excesses apply to you in your policy details.

If you’re an existing customer please refer to your policy documents and booklets for details of all excesses which may apply.

Can I claim the excess back if the accident wasn’t my fault?

You may be able to claim your excess back from the person to blame for the loss or damage.