A standard excess applies to your policy. This is an excess that applies to all claims unless it is an “excess free” claim. (keep in mind you may have chosen to have a higher voluntary excess when taking up this cover to reduce your premium).
In addition there are 3 types of additional excess that may apply
Age Excess (named riders) - This applies to riders under 25 who you have named on your policy Age Excess (unnamed riders) - This applies to riders under 25 who are not named on your policy Inexperienced Rider Excess - This applies to riders who have had their bike licence for less than 1 year or have been riding for less than 1 year
A maximum of 2 excesses will be applied to any claim, the standard excess and one of the three additional excess – (whichever one is greatest).
If the rider is over 25, named on the policy and experienced, only the standard excess will apply.
