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The information presented on this Glossary is not an insurance policy, declarations page or endorsement. This information is provided for general informational purposes only and does not alter or replace any insurance policy issued by us.

Not only could it be cheaper, but comprehensive car insurance gives you much more protection. This guide compares the different levels of car insurance cover. Check the excess. Most insurance companies will set an additional excess that young drivers will have to pay in the event of a claim, for example:

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An excess is the amount of money you pay towards a claim under your policy. The two main types of excess are: Compulsory excess – this must be paid and relates to claims for accidental or malicious damage, accidental damage, vandalism, fire and theft. Voluntary excess – this is paid on top of a compulsory excess. You can select a voluntary excess.

Can you explain what an excess is? If you make a claim you must pay an excess, regardless of who is to blame. If you have Comprehensive cover, the total accidental damage excess is calculated by adding together the relevant compulsory.

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