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. |
Will you have to pay any excess?
| Was the accident or the event your fault? |
Can you give us the name and address of the person who was at fault or the registration number of their motor vehicle? |
Will any excess be payable? |
| No |
Yes |
No |
| No |
No |
Yes, because we won’t have the opportunity to recover the cost of the damage to your motorcycle. |
| No |
No, because… Your motorcycle was stolen. Your motorcycle was damaged while it was parked. Your motorcycle was damaged by an animal or the elements. Your claim is for a broken windscreen. |
Yes, because we won’t have the opportunity to recover the cost of the damage to your motorcycle. |
| Yes |
- |
Yes |