Insurance Excess Explained: Compulsory and Voluntary
Updated Oct 21, 2026 · Daniel Moreau · 5 min read
The excess is your share of a claim. Choosing it carefully affects premiums.
What this article covers
An excess (or deductible) is the amount you pay towards a claim before your insurer pays the rest.
Policies often have two parts.
Compulsory excess
Set by the insurer, often higher for young drivers or certain claims.
Voluntary excess
An extra amount you choose to add, which can reduce your premium.
Choosing
- Only choose an excess you can afford to pay
- Check different excesses for windscreen, theft, or young drivers
- Consider excess protection insurance
See also
Our choosing a deductible guide.
Excess on rental cars
Rental cars also carry an excess, which is often high. Rental desks sell excess reduction products, and standalone excess insurance can be bought in advance, often more cheaply. With standalone cover, you usually pay the rental company first and then claim back. Check the excess for specific damage types such as tyres and glass, which may be excluded from basic waivers. See our standalone rental excess insurance guide.
This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.