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Excess
The excess is the first amount payable by the client towards the cost of a
claim for own damage. The excess is an uninsured loss.
Each policy sold will attract different
excess depending upon the driver details and the level of cover
opted for by the client.
COVER
EXCESS
Third party There is NO excess.
The client has No Own Damage Cover.
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Fire & Theft £100
For a majority of policies. Selected policies may have a higher
excess
No additional excesses are applied.
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Comprehensive
Variable policy excesses apply. The client has a choice of excess
of between £0 - £750,
depending upon the panel member.
A high excess reduces the premium.
Additional excesses may also be applied.
Age Excess Age excesses apply to drivers
under 25.
Age excesses apply in addition to the policy
excess.
Drivers under
21 Car Excess + £300
Drivers 21 – 24 Car Excess + £200
Licence Excess Licence excesses apply to
drivers over 25.
Provisional
Licence Car Excess + £150
Full UK licence,
held for less than 1 year Car Excess + £150
Only the highest
excess will apply. For example, an 18 year old with a provisional
licence, will attract a driver excess of £300, and not £450.
Age and licence excesses only apply when
the penalised driver is driving the vehicle. It would not apply
in theft incidents or in accidents where older drivers were driving.
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Window Glass
Only £75 fixed excess.
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Sound Equipment
Only £100 maximum
excess.
The policy
excess will apply if it is less than £100.
The excess is paid by the client directly
to the repairer, or Autoglass, at the settlement of the claim.
If the car is to be written off the excess amount is deducted from
the market value of the car.
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