Knowing your excess prevents disappointment when the need to make a claim arises.

Most policies will have a standard level of excess that can vary depending on the level of cover you have selected. Generally, the higher the level of cover the lower the excess. Some policies will often have the option either to lower the price of the policy by doubling your excess or, at an additional premium, remove your excess with an excess waiver.

The excess may apply per person and also for each incident and section of cover.

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