Insurance FAQs

What's a voluntary home insurance excess?

An insurance excess is the amount you’re expected to contribute towards the cost of any claims you make. When you get your quote, you set your voluntary excess. This is the amount you agree to pay towards your claims, in addition to your compulsory excess.

People agree to a voluntary excess in return for a reduced premium. The higher your voluntary excess is, the lower your premium will be. For most types of claim, our policies have a minimum excess of £100, but you can volunteer to increase your excess up to £1,000.

A compulsory excess is a fixed amount set by your insurer (this can very from person to person just like your insurance premium).

Everyone's excess is different, so to find out how much you’d have to pay if you made a claim, please check your policy documents.

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