An excess is the amount of money you pay towards a claim, regardless of who is to blame for the incident. The excess will apply to vehicle repairs following a fire, theft or an accident and must be paid to the repairing garage. If the vehicle is considered a total loss or is stolen and unrecovered, the excess will be deducted from the final settlement.
If the accident is not your fault and you have purchased Legal Expenses cover (in association with Co-op Legal Services Limited), you may be able to claim this money back using our Uninsured Loss Recovery Service. How much you pay depends on whether the Standard Excess only applies or you have chosen to pay a Voluntary Excess. For further details on the different kinds of excess, see below. You will need to look at which excesses apply to your particular circumstances before you consider whether a voluntary excess is appropriate