This website uses cookies to ensure you get the best experience on our website Got it!


  • This is normally the amount an insurer will require a policyholder to pay in the unlikely event any claim - say the first £100.
  • In addition a second excess may be payable for high cost repairs. E.g. period properties where there is more risk of dry-rot wet-rot, subsidence, heave, landslip etc.  The latter categories can attract an excess of say £1000 and this is payable by the policy holder. Any amount in excess of the "excess" is paid by the insurance co. for any such damage resulting.

See also

Published: 5 November 2013 Last Updated: 17 November 2021