What is a voluntary insurance excess?
In return for a premium discount you can agree to bear a (voluntary) excess (on comprehensive cover) in addition to any compulsory excess, both of which would be payable by you in the event of a claim. The voluntary excess would not be applied to any glass damage claim, but all other claims would have excesses increased by the amount of the voluntary excess you have chosen. You need to weigh up the amount saved at the time of taking the insurance out to the actual costs or total excess that would require paying if you make a claim.
