{"id":169303,"date":"2023-10-08T02:56:22","date_gmt":"2023-10-08T02:56:22","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/"},"modified":"2023-10-08T02:56:22","modified_gmt":"2023-10-08T02:56:22","slug":"what-is-a-car-insurance-excess","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/","title":{"rendered":"What is a car insurance excess?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#What_is_a_car_insurance_excess\" title=\"What is a car insurance excess?\">What is a car insurance excess?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#1_How_does_car_insurance_excess_work\" title=\"1. How does car insurance excess work?\">1. How does car insurance excess work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#2_Is_car_insurance_excess_the_same_for_all_claims\" title=\"2. Is car insurance excess the same for all claims?\">2. Is car insurance excess the same for all claims?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#3_How_is_car_insurance_excess_different_from_a_deductible\" title=\"3. How is car insurance excess different from a deductible?\">3. How is car insurance excess different from a deductible?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#4_Can_I_choose_my_car_insurance_excess_amount\" title=\"4. Can I choose my car insurance excess amount?\">4. Can I choose my car insurance excess amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#5_Can_I_avoid_paying_car_insurance_excess\" title=\"5. Can I avoid paying car insurance excess?\">5. Can I avoid paying car insurance excess?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#6_How_is_car_insurance_excess_calculated\" title=\"6. How is car insurance excess calculated?\">6. How is car insurance excess calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#7_What_happens_if_I_cant_afford_to_pay_my_car_insurance_excess\" title=\"7. What happens if I can&#8217;t afford to pay my car insurance excess?\">7. What happens if I can&#8217;t afford to pay my car insurance excess?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#8_Does_car_insurance_excess_apply_to_all_drivers_on_the_policy\" title=\"8. Does car insurance excess apply to all drivers on the policy?\">8. Does car insurance excess apply to all drivers on the policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#9_Is_car_insurance_excess_the_same_for_all_insurance_companies\" title=\"9. Is car insurance excess the same for all insurance companies?\">9. Is car insurance excess the same for all insurance companies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#10_Do_I_have_to_pay_car_insurance_excess_if_the_accident_was_not_my_fault\" title=\"10. Do I have to pay car insurance excess if the accident was not my fault?\">10. Do I have to pay car insurance excess if the accident was not my fault?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#11_Can_car_insurance_excess_be_waived\" title=\"11. Can car insurance excess be waived?\">11. Can car insurance excess be waived?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#12_Are_there_ways_to_reduce_my_car_insurance_excess\" title=\"12. Are there ways to reduce my car insurance excess?\">12. Are there ways to reduce my car insurance excess?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_car_insurance_excess\"><\/span>What is a car insurance excess?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Car insurance excess is the amount of money you must pay towards a claim before your insurance policy kicks in to cover the rest. It&#8217;s a way for insurance companies to ensure that policyholders have some financial responsibility when making a claim.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_How_does_car_insurance_excess_work\"><\/span>1. How does car insurance excess work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCar insurance excess works by requiring the policyholder to contribute a set amount of money towards a claim before the insurance company will pay out the rest.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Is_car_insurance_excess_the_same_for_all_claims\"><\/span>2. Is car insurance excess the same for all claims?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, car insurance excess can vary depending on the type of claim you are making and the level of coverage you have chosen. For example, your excess for a theft claim may be different from your excess for a collision claim.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_is_car_insurance_excess_different_from_a_deductible\"><\/span>3. How is car insurance excess different from a deductible?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile car insurance excess and deductible are similar in that they both require the policyholder to pay a certain amount towards a claim, the key difference is that excess is usually a fixed amount set by the insurance company, while a deductible is a specified amount chosen by the policyholder when setting up their policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_choose_my_car_insurance_excess_amount\"><\/span>4. Can I choose my car insurance excess amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost insurance companies will give you the option to choose your excess amount when setting up your policy. Generally, choosing a higher excess amount can lower your premium, but it also means you&#8217;ll have to pay more out of pocket if you make a claim.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_avoid_paying_car_insurance_excess\"><\/span>5. Can I avoid paying car insurance excess?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nUnfortunately, car insurance excess is a standard part of most insurance policies, and there is no way to avoid paying it if you make a claim. However, you can choose a lower excess amount to reduce your financial responsibility.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_How_is_car_insurance_excess_calculated\"><\/span>6. How is car insurance excess calculated?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCar insurance excess is typically a fixed amount set by the insurance company, but some policies may have a percentage-based excess. This means that your excess will be calculated as a percentage of the claim amount.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_happens_if_I_cant_afford_to_pay_my_car_insurance_excess\"><\/span>7. What happens if I can&#8217;t afford to pay my car insurance excess?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you can&#8217;t afford to pay your excess, you may be able to work out a payment plan with your insurance company. It&#8217;s important to communicate with them as soon as possible to discuss your options.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Does_car_insurance_excess_apply_to_all_drivers_on_the_policy\"><\/span>8. Does car insurance excess apply to all drivers on the policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCar insurance excess usually applies to each claim rather than each driver on the policy. This means that each driver will have their own excess amount to pay if they make a claim.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Is_car_insurance_excess_the_same_for_all_insurance_companies\"><\/span>9. Is car insurance excess the same for all insurance companies?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, car insurance excess amounts can vary between insurance companies. It&#8217;s important to shop around and compare excess amounts when looking for a policy that suits your needs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Do_I_have_to_pay_car_insurance_excess_if_the_accident_was_not_my_fault\"><\/span>10. Do I have to pay car insurance excess if the accident was not my fault?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, you will still need to pay your excess even if the accident was not your fault. However, if the other driver is found to be at fault, you may be able to recover your excess from their insurance company.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_car_insurance_excess_be_waived\"><\/span>11. Can car insurance excess be waived?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nCar insurance excess cannot usually be waived, but some policies may offer a waiver of excess for certain types of claims, such as windscreen damage or theft.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Are_there_ways_to_reduce_my_car_insurance_excess\"><\/span>12. Are there ways to reduce my car insurance excess?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nOne way to reduce your car insurance excess is to choose a higher excess amount when setting up your policy. Alternatively, some insurance companies may offer excess protection cover, which can reduce your excess amount or eliminate it altogether in certain situations.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a car insurance excess? Car insurance excess is the amount of money you must pay towards a claim before your insurance policy kicks in to cover the rest. It&#8217;s a way for insurance companies to ensure that policyholders have some financial responsibility when making a claim. 1. How does car insurance excess work? &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What is a car insurance excess?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-car-insurance-excess\/#more-169303\">Read more<span class=\"screen-reader-text\">What is a car insurance excess?<\/span><\/a><\/p>\n","protected":false},"author":41,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-169303","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a car insurance excess?<\/title>\n<meta name=\"description\" content=\"What is a car insurance excess? 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