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This is the first part of any claim that you will pay. It consists of a COMPULSORY excess which is a fixed amount set by the insurer and can’t be changed plus a VOLUNTARY excess which is the amount you are prepared to pay in addition to the compulsory excess.

At Dial Direct, your car insurance excess will vary depending on your Insurance Provider and you can see some examples below.

Compulsory excess

The amount set by the insurance provider which can’t be changed.

Voluntary excess

Your excess could help you to keep your premium down – generally, the higher your voluntary excess the lower your price and vice versa. It’s important to remember that this excess will be payable in addition to any compulsory excess which applies.

You can see the exact excesses which apply to you in your policy documents, within your online My Account area.

Window glass

For a replacement windscreen/window you will have to pay the first £100 of any claim, shown in your Details of Cover as window replacement glass excess. If your windscreen or window is repaired and not replaced a £25 excess will be payable.

Replacement locks

In respect of Replacement Locks a £100 excess will be payable. The maximum we will pay is £500, less any excess.

Additional Excesses in the event of an accident:

  • If the driver is 17-20 years old, a £400 excess will be payable in addition to the policy excess.
  • If the driver is 21-24 years old, a £200 excess will be payable in addition to the policy excess.
  • If the driver of the vehicle is 25 years old or older, but only holds a Provisional Licence or only obtained a Full Licence issued in the UK or the EU less than one year ago, an excess of £150 will be payable in addition to the policy excess.