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This is the first part of each and every claim which you (not your insurer) must pay. There are two types of excess:
Compulsory excess: This has been applied as a requirement by your insurer and will vary according to your personal circumstances and the terms of cover provided. A compulsory excess may be required if you drive a particular vehicle or you have inexperienced drivers on your policy. There is also a compulsory excess for fire, theft or windscreen claims.
Voluntary excess: This will apply where you agree to pay a greater part of each claim, in addition to your compulsory excess. A voluntary excess can be increased or decreased at your request and it will usually affect your premium.