Insurance companies impose compulsory excess for:
• Drivers under 25 years of age.
• Provisional license holders.
• High rated vehicles.

These are non-negotiable and in the event of a claim, you are liable to pay the applicable excess to the repairer when you collect your car. If the accident was your fault you have to stand the excess, if it is not your fault you can recover any loss from the driver at fault or his Insurance (using a Legal Protection policy).

To reduce the premium, most people agree to a voluntary excess, £200 is the average excess, which would give an average discount of £20 off your premium.

It makes sense to take a voluntary excess as it is unlikely that you would make a claim for an accident of less than £200, as this would affect your No Claims Discount (NCD) and, therefore, you might as well have the benefit of a reduced premium.

Comments
It may be worth your while considering a larger excess to further reduce your premium:
• Premium over £400, increase excess to maybe £250 to £300.
• Premium over £700, increase excess to maybe £400 to £500.

On larger premiums your No Claims Discount becomes even more important, and therefore you might consider paying larger claims yourself to safeguard it.

Our average client saves over £100* Best Advice UK is totally independant and has no connection with any other insurance company/broker. Visit us at: www.bestadviceuk.co.uk Phone FREE on: *Our clients saved an average of over £100 each last year.

Worth up to £36.
£1 from every Legal
Policy goes to either
Cancer Research UK
or the
British Heart Foundation.

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Up to £500 worth of cover.
Increase your excess and reduce your policy premium without the risk of paying out large sums of money if you have an accident.

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Average call out 35 min.
Covers for homecall,
recovery to garage or
destination, car hire,
train tickets, accomodation
and with caravan or trailer.

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Guaranteed loan car.
For both Comprehensive
and Third Party policies.
You will be guaranteed
a courtesy car for up to
two claims a year.

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