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Categories: My cover , Car insurance

What does 'excess' mean?

The ‘excess’ is the contribution you pay in the event of a claim.

The compulsory Comprehensive policy excess is a minimum of £0. You can choose to pay a voluntary excess for your Comprehensive policy as well, which can be £0, £150, £250, £350, £450, £550, £650, £800 or £1,050. You can reduce your premium by choosing to pay a higher excess or opt for a lower excess and pay a higher premium. These apply if your car is lost, stolen or damaged, no matter how the loss or damage happened.

There’s also an additional young driver excess of £200 for drivers aged between 21 and 24.

If your windscreen is damaged, you’ll pay the first £15 towards repairs or £115 towards a replacement if you used an approved repairer. The non-approved repairer glass excess is £250.

You can find out more information by checking your Policy Schedule. You can find this to download by logging in to MyAviva, selecting your Aviva Motor policy, and choosing Documents.

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