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What is ‘voluntary excess’?
There are two types of excess for your insurance – compulsory and voluntary. Everyone has to pay compulsory excess when they make a claim. But if you want to reduce your premium it might help if you choose to pay voluntary excess as well.
For car insurance, you'll still need to pay your voluntary excess if you're claiming for something that wasn't your fault. So if your compulsory excess is £150, and you choose to pay £250 in voluntary excess, you'll pay £400 when you make a claim.
For home insurance, any voluntary excess selected will be paid on buildings, contents and personal possession claims. So if your compulsory excess is £50 and you choose to pay £100 in voluntary excess, you'll pay £150 when you claim. The only time the voluntary excess won’t be applied is for subsidence claims.
You'll find details of all the different excesses in your policy schedule. You can log in to MyDocs to see it anytime.
You can choose your voluntary excess when you buy your insurance. And you can change the amount you pay when you come to renew.
> Go to car excess information
> Go to home excess information