This is the amount you’ll pay towards a successful claim. The average compulsory excess for buildings claims is £149 and £136 for contents claims. There are also separate compulsory excesses for flooding, subsidence/landslip/heave, escape of oil and escape of water claims. The total excess you will pay is the sum of the relevant compulsory excesses and voluntary excesses (if you have any). 

You can find out what excesses you’ll need to pay by logging in to make a claim and selecting your policy in the “Check my cover” section. Your excesses are also listed in your policy documents.