What is an excess?
An excess is the payment you make towards the cost of a claim. This is only for a claim for damages or theft to your own car.
In the event of any claim, all excesses applying to the policy will be deducted from your claims settlement.
Voluntary Excess
Comprehensive policy
You can choose to add a voluntary excess. This amount is set by you and can help to reduce the cost of your premium. Please ensure you set this to an affordable amount should you need to claim.
Third party, fire and theft (TPFT) policy.
You can't add a voluntary excess to a TPFT policy.
Compulsory
All policies include a minimum compulsory excess (as stated).
Additional excesses may apply:
Young or inexperienced driver
Vehicle (Endorsement 1)
Locked garage (Endorsement 2)
All excesses which apply to you will be displayed in your quote results page.
Non-approved repairer excess
When you make a claim, we'll provide you with a choice of our approved repairers. If you choose to have the work carried out by someone who is not a Motivo approved repairer, an additional excess of £250 will apply.
Windscreen excess
If your windscreen needs repairing an excess of £25 applies.
If you have a Motivo or Motivo Premier policy, the replacement excess is £150.
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