The Excess
The excess is an arrangement whereby motorists meet the first part of a claim for accidental damage to the car or its theft. The amount of the excess is set out in the policy. Excesses may be agreed by motorists on a voluntary basis to reduce the level of the premium or they may be imposed by the insurer. Compulsory excesses are often imposed, for example, on learner drivers or those who are young or inexperienced. A motorist with a poor claims record may also have to face a compulsory excess. These excesses cut down the cost to insurers of small claims and therefore benefit all policyholders.

Motoring Abroad
All private car policies issued in the UK extend automatically for use in all EU countries, and certain other European countries. The cover, however, is limited to third party liability.To enjoy the full level of UK cover, such as fire, theft and accidental damage, motorists should tell their insurance company before departure. The company will then arrange to extend cover during the period of the visit.