An excess is what you pay towards your repairs when you make a claim. There are two types – compulsory and voluntary.

Everyone has to pay compulsory excess when they claim. How much depends on different factors, like your age and your car.

You can also choose to pay up to £500 voluntary excess on top of compulsory excess. This means you pay more when you claim, but pay less for your insurance upfront or per month.

Read our guide to car insurance excess