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Guide

Car insurance excess: compulsory and voluntary

Learn how compulsory and voluntary excess work, what you may pay after a claim, and why different claims can have different excesses.

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Two drivers exchanging details beside parked cars after minor damage

The short answer

The excess is the contribution you may have to make towards a covered claim. For a claim where both apply, compulsory and voluntary excess are added together. Choose only an amount you could afford.

Compulsory excess

The insurer sets this amount. It may depend on the driver, vehicle or type of claim. Young or inexperienced drivers can have additional excesses.

  • Check the policy schedule, not just the headline quote.
  • Ask whether additional driver excesses apply.

Voluntary excess

You choose an extra contribution when asking for a quote. A higher voluntary excess may reduce the premium, but the saving is not guaranteed and you would face a larger contribution if it applies.

  • Compare the premium saving with the extra risk.
  • Do not select an unaffordable amount just to reduce the quote.

Different claims, different rules

Windscreen repair, replacement, theft and accidental damage can have separate excesses. The policy wording explains when you pay and whether any excess is waived.

  • Check repair versus replacement glass excess.
  • Check uninsured-driver promise conditions.

After a non-fault accident

You might initially have to pay an excess even if you believe another driver caused the accident. Recovery from the other side is a separate process and is not guaranteed.

  • Keep receipts and the claim reference.
  • Ask the insurer how recovery and any refund will work.

Before you decide

  • Record all excesses for each quote.
  • Check the total for the youngest named driver.
  • Keep enough accessible money for your chosen excess.

Frequently asked questions

Do I pay an excess on every claim?

Not necessarily. It depends on the claim type and policy conditions.

Can I change my voluntary excess later?

Ask your insurer. A change can affect the premium, terms or administration fee.

Sources and further reading

Prepared by CompareDirect using the sources above. Policy eligibility, cover and claims depend on the provider’s current documents and your circumstances.

Before you buy

Our car insurance listings compare provider features and quote destinations, not personalised premiums. Check the exact product, eligibility, excesses and full terms on the provider’s website. Nothing here is a personalised insurance recommendation.

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