When you lodge an insurance claim, you're required to pay an extra. There are one of a kind
styles of excesses that may follow to your claim and could seem on your coverage schedule.
Basic Excess
The basic excess is the amount you ought to pay with regards to every and each claim made
below your coverage. You may get the choice to choose the quantity of your simple extra,
in order to be shown for your policy agenda. Where the event is completely the fault of
a third birthday party that you may identify, and we will discover and whose liability can be
established, we might also waive fee of the basic excess.
Additional Excess
We may also require an additional extra to be paid in sure situations beneath your
policy. The exact situations wherein this will apply and the amount of the additional
extra might be proven in your policy agenda.
Driver specific extra
If we receive your declare for an insured event wherein the automobile was pushed with your
permission with the aid of any person who meets the standards set out within the excesses section of your
coverage agenda, a driving force particular excess will become payable. This ought to consist of, for
instance, unlisted drivers (i.e. drivers overlooked as a regular or indexed driving force) or
young drivers (whether or now not they are mentioned as a ordinary or listed driving force). The
criteria for the driver specific extra and amount of this extra may be shown in your
coverage agenda.
Where they may be applicable, the driver precise excess quantities might be delivered to some other
excess quantity that could practice to the claim and can nevertheless follow even though the basic
extra has been waived. These excesses will no longer apply while the automobile is being pushed with the aid of a
carrier issuer with the appropriate legal responsibility cowl.
For a few motors, we might also limit cover to the indexed drivers and the normal driving force most effective.
If cowl is limited on this way, there may be no cover for another driver, irrespective
of excesses, and it is going to be honestly proven within the Special Conditions phase of your
policy schedule.
Reduced basic extra for windscreen claims
You can be given the choice to pay greater premium to reduce the primary extra that applies
to claims that totally involve your windscreen, sunroof or window glass. The extra that
will follow to windscreen claims may be proven on your policy schedule.
One Excess
If you have multiple regulations with Youi and you hotel a claim for harm that happens at
the identical region arising from the identical unmarried event, you will only be required to pay one
excess.
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