Home Insurance Policy Excess
This is the first part of each and every claim which you (not your insurer) must pay. There are two types of excess:
A compulsory excess
This is an excess that has been applied as a requirement by your insurer and will vary according to your personal circumstances and the terms of cover provided.
A voluntary excess
This will apply where you agree with your insurer to pay a greater part of each claim than the compulsory excess. This is usually considered if you wish to reduce your premiums.
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