An excess is how much you pay towards a claim. If you make a claim, you will have to cover some of the cost of the claim.  

It’s made up of your compulsory/required excess, (typically £350), and any voluntary excess you added.

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  • An excess is the amount you pay towards a claim.  
  • It’s made up of 2 parts - your compulsory excess, (typically £350), and any voluntary excess you added.   (The voluntary excess you choose will impact your price.)

Example –

  • 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 deduce the excess from the money we give you to replace the car.