About excesses
Excesses
An excess on your policy is the amount you have to pay towards each claim.
If your claim is for more than one occurrence, the excess/es applicable to each
occurrence will be payable.
When one or more excesses apply to your policy, they will be shown on your insurance schedule and updated on your renewal notice. If required by us, you must pay your excess before we make any payment or provide you with any policy benefits.
The types of excesses are:
| Standard |
This is the basic excess you must contribute towards each claim. |
| Age |
This excess is additional to the standard excess if your car was being driven by a person in the age ranges specified on the most recent of your insurance schedule and renewal notice. |
| Inexperienced driver |
This excess is additional to the standard excess if your car was being driven by a person to whom an age excess does not apply, but who has held a driving licence for less than two years. |
| Additional |
This excess may be imposed in special circumstances, for example on high performance cars. It is payable in addition to any other excesses. |