An excess is how much you pay towards a claim. If you make a claim, you will have to cover some of the cost.
It’s made up of your compulsory excess, and any voluntary excess you added.
You can select your own voluntary excess during the quote process through the comparison site that you are using. The voluntary excess you choose will impact your price.
Please note that you will not be able to change your excess during your policy, however we may be able to change your excess at renewal.
If you would like to change your excess at renewal, please get in touch via Live Chat and one our our friendly agents will look into this.
You can find your excess in:
- The Marshmallow app
- Your web-based Marshmallow account
- Your Motor Insurance Schedule document
More information about excess
- An excess is the amount you pay towards a claim.
- It’s made up of 2 parts - your compulsory excess, and any voluntary excess you added. (The voluntary excess you choose will impact your price.)
Please see the below example with some sample figures.
If you had:
- Compulsory Excess - £350
- Voluntary Excess - £100
- Total Excess - £450
If you had a claim, you would pay your total excess, and we’d pay everything else. Here are 2 typical examples:
- If your car was repaired you’d be asked to pay your excess when picking it up. (Marshmallow will pay the rest of the cost.)
- If your car was stolen and not recovered, or damaged beyond repair, we would deduct the excess from the money we give you to replace the car.