What are voluntary and compulsory excess and how to they work?

An excess is the amount you agree to pay towards a claim before your insurer covers the remaining costs.

There are two types of excess: voluntary and compulsory.

Voluntary excess:

This is an amount you choose to pay in addition to any compulsory excess. Opting for a higher voluntary excess can reduce your premium, as it signals to the insurer that you are willing to share more of the risk. However, ensure that you can afford the total excess in case of a claim.

Compulsory excess:

This is the minimum amount set by the insurer that you must pay towards a claim. The amount varies depending on factors such as your age, driving experience, and the type of vehicle you drive.

When selecting a policy, carefully consider both the voluntary and compulsory excess amounts to ensure they suit your financial situation and risk tolerance.

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