If your claim is successful, you’ll need to pay the total of your relevant excesses. These include: 

• A compulsory excess (the fixed amount shown in your Policy Document, based on the type of claim) 

• A voluntary excess (an optional amount you chose to reduce your premium) 

• A special excess (for specific types of claims, like escape of water or subsidence) 

Your Policy Document lists the exact excesses that apply to you. 

Example: Let’s say you make a successful contents claim for accidental damage to a TV worth £1,000. 

• Compulsory contents excess: £149 

• Voluntary contents excess: £100 

Total excess payable: £249 

We would deduct £249 from the claim and pay you £751.