What is a policy excess?
An excess is the first amount of any claim you must pay. We pay the balance, up to the applicable limit.
What is a voluntary excess?:
A voluntary excess is an amount selected by you that is added to the standard policy excess available. Selecting this option reduces the cost of your premium.
In the event of claim you will pay the excess applicable to your policy. This is the first amount of any claim. We pay the balance, up to the applicable limit as detailed in your policy.