reducing your excess might increase your car insurance premiumĬheck the terms of your car insurance policy carefully, so you understand any excess costs associated with making a claim.increasing your excess amount could reduce your annual premium.glass or windscreen excess – some policies include a separate excess amount covering glass claimsĮxcess costs can vary, depending on the policy features you choose.age excess – younger drivers could be offered car insurance with a higher excess amount, based on their level of driving experience and insurer insight about accident statistics.Make sure you’re realistic about what you could afford if you had an accident Although this could reduce your annual car insurance premium, you’ll need to pay more if you need to make a claim.

voluntary excess – many insurers will allow you to set a higher excess amount.

standard or compulsory excess – as the name suggests, this is the standard amount you’ll need to pay towards any car insurance claim and is set by your insurer.

There are a few types of excess, and more than one could apply to each claim, depending on the terms of your car insurance policy. Your car insurance policy requires you to pay an excess of £250, which means your insurer will cover the remaining amount of £2,250. Imagine you’ve had an accident, causing £2,500 worth of damage to your vehicle. An insurer will pay any remaining costs covered by an insurance policy. Car insurance excess is the amount you'll need to pay towards a claim against your policy.

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