Excess
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What is the Excess on My Travel Insurance Policy?
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If you have other insurance which applies to a loss or claim, or would have applied if this policy did not exist, this policy will be consid er e d excess insurance. Portals Official site Blizzard Entertainment. These example sentences are selected automatically from various online news sources to reflect current usage of the word 'excess. As with all other benefits [ Druids are however not known to have any such gems or abilities. You instantly save money on your policy, keeping in mind that should you need to make a claim you will need to cover a bit more of the cost related to the incident you are claiming.
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Excess is the amount of money you agree to pay should the unfortunate happen and you need to make a claim to your insurer.
In cases where your eligible claim may be thousands of dollars, the excess you pay is very small compared to the majority of the bill covered by your insurance company. This is why travelers purchase travel insurance; so to rule out the possibility of being hit with sometimes very large expenses in the event of accidents or unforeseen circumstances.
An insurer may offer different types of excess that can apply in different situations or apply concurrently. One thing most top insurers will allow is for you to increase or decrease your excess in order to alter the cost of your premium to a level that suits you. You instantly save money on your policy, keeping in mind that should you need to make a claim you will need to cover a bit more of the cost related to the incident you are claiming.
You are basically taking more of a risk in order to save guaranteed money upfront. You should always only select an excess amount that you are willing or able to afford should you need to make a claim. This means in the event you need to file an eligible claim, you will pay nothing and your insurer will cover the entirety of your expenses for an accepted claim.
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You will pay a bit more for your policy by choosing this option but it may prove beneficial should you need to file a claim.