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If you make an insurance claim, the compulsory excess is the amount of money you – not your insurer – must pay towards each and every claim. A compulsory excess will vary according to your personal circumstances and the terms of cover provided. A compulsory excess may be required if you drive a particular car or you have inexperienced drivers on your policy. There is also a compulsory excess for fire, theft or windscreen claims. You can pay a greater part of each claim through what is known as voluntary excess (see voluntary excess).
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