What does ‘excess’ mean?

    An excess helps to reduce the cost of your policy. It is the part of a claim you pay before your insurance starts paying. 

    For example, if you make a claim for £1,000 and you have a £110 excess, you will pay £110 and your insurance will cover the remaining £890.

    This does mean that if your vet bill is £110 or less, then you won’t be able to make a claim, as the insurance will not be required to pay anything. 

     

    However, having an excess usually means a cheaper premium overall for the year.

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