Glossary · E · All lines
Excess
The first part of any claim you pay yourself. If a repair costs €900 and your excess is €300, the insurer pays €600.
How it appears in a policy
Named in the conditions but priced on the schedule, usually as one line per cover. Watch for “each and every claim”, which means per incident.
The Insurer's liability shall be reduced by the amount of the Excess applicable to each and every claim.
Related
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Find your own excess
It's on the schedule, not in the conditions. IDA reads the schedule and shows the figure with the line it came from.
General definition, for education. Your policy’s own wording decides. Reviewed by Joris van Dam, licensed adviser · 2 September 2026.