What’s the difference between voluntary and compulsory insurance excess?
Compulsory excess is set by the insurance provider and can’t be changed. Voluntary excess is the amount that you choose to pay in addition to the compulsory excess. It’s always important to remember that if you do make a claim, you’ll have to pay both the compulsory and voluntary excess.
You may also have an additional compulsory excess on your policy. For example, if you’re a young driver (under the age of 25), you could have an additional young driver excess, as insurance providers consider you to be a high risk. You might also have an additional compulsory excess if you drive a luxury or high-performance vehicle.
On the majority of car insurance policies there will also be a windscreen/glass excess. Should you make a claim for a damaged windscreen, you may have to pay a small excess if the windscreen needs replacing; the excess is often waived if the damage can be repaired. Check with your provider and your policy details as this excess can vary.