Understand how excesses are applied
Be aware of the different types of excesses insurance companies apply when you make a claim. A ‘standard' or ‘basic' excess is usually applied to a claim but will depend on the circumstances surrounding an accident (ie. who was at fault and whether other drivers can be identified). An ‘age' excess may also apply when an accident occurs involving a driver under 25 while an ‘inexperienced driver' excess may apply when an accident occurs involving a driver who has had their licence for less than two years.