You claim on your insurance to have your car repaired. Your policy has an excess of £100. What does this mean?

A: The insurance company will pay the first £100 of any claim

B: You'll be paid £100 if you don't claim within one year

C: Your vehicle is insured for a value of £100 if it's stolen

D: You'll have to pay the first £100 of the cost of repairs to your car

Having an excess on your policy will help to keep the premium down. However, if you make a claim, you’ll have to pay the excess yourself – in this case, £100.

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