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Insurance excess is the contribution made towards an insurance claim on the car insurance policy. The voluntary excess is the amount one pays if a claim is made on the motor insurance policy. The excess is not always the same for the named drivers.
As one adds drivers to the policy, the voluntary excess for them will hold a different amount. The compulsory excess is the insurance policy set by the insurer associated with all policies.
It reflects the risk level associated with a particular driver taking into account the engine size, claim history and age of the driver.
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