What is a voluntary excess?
Quick answer: It’s the amount you choose to pay towards a claim, on top of any compulsory excess.
How excess affects your premium
Explain trade-offs. Add examples and common ranges for UK policies (avoid absolute claims).
When a higher excess is risky
Discuss affordability and realistic claim scenarios.
Common questions
- Does excess apply to every claim?
- Can I change my excess mid-policy?
- Does it affect windscreen claims?
Internal links: “Compulsory vs voluntary excess”, “Comprehensive vs TPFT”, “How claims affect NCB”.