Frequently Asked Questions
An excess is the first amount payable by a customer in the event of a loss, and is the uninsured portion of your loss, so when you submit a claim you’ll have to pay an excess. When you have to pay an excess for damages arising from an accident, it is irrelevant who was to blame for the accident, this serves to deter customers from submitting minor claims and/or fraudulent claims, and keeping premiums down. It is important to read your policy documentation regarding excesses as there may sometimes be additional excesses depending on the facts of your claim