There are two types of excess: compulsory and voluntary. An excess is an amount you will have to pay in the event of a claim. The amount will vary depending upon the type of claim you make and will be displayed on your Car Insurance Schedule.
Voluntary Excess is optional and means you have agreed to pay more towards a claim for damage to your vehicle. If you select a higher Voluntary Excess it can reduce the price of your premium. Any Voluntary Excess you choose would be in addition to your Compulsory Excess.