Is there an excess?

A policy excess is the fixed amount you are required to pay towards a claim. 

For example, if your claim for £500 is approved and your excess is £100, the insurer will pay £400. The excess is agreed upon when you take out the policy and applies to most types of claims.

The excess amount usually applies per person, per section, and per claim. On that basis, multiple excesses can apply when you make a claim.

Related FAQs

1. What is travel insurance?
2. Do I actually need travel insurance?
3. When should I buy my travel insurance?
4. I'm travelling today - can I get cover?
5. Can I get travel insurance if I've already travelled?
6. How do you define a UK resident?
7. Do I need to tell you each time I travel on an annual policy?
8. Can my family travel separately under an Annual Multi-Trip policy?
9. Can I make changes to my policy after I've bought it?
10. Can I use this policy to work abroad?
11. What is an EHIC or GHIC?
12. Should I take an EHIC/GHIC?
13. What if the FCDO advises against travel?
14. How do I cancel my policy?
15. Where are my policy documents?