What excesses apply to me?
Your certificate of insurance will show the amount and types of excess that apply to your policy. Depending on the circumstances, you might have to pay more than one type of excess when you claim. There are four different types of excess:
- Standard – applies to all claims unless we tell you otherwise.
- Voluntary – you can choose a voluntary excess to reduce your premium. This excess replaces the standard excess and will be the excess you pay for all claims unless we tell you otherwise.
- Age –applies if a rider under 25 was riding, using or in charge of your motorcycle at the time of the incident.
- Inexperienced – applies if a rider licensed less than 1 year or who has been riding less than one year was riding, using or in charge of your motorcycle at the time of the incident.
For more information about these excess types please read the Motorcycle Insurance PDS and the Premiums, Excesses, Discounts and Claim Payments Guide (PED Guide).