What is a compulsory excess?

A non-negotiable fee

This is the fixed amount you must pay for any claim you make on your car insurance.

Typically higher for riskier drivers

Younger drivers, those with little claims-free driving history, or those with high-performance cars may have higher compulsory excesses.

Set by your insurer

Your insurer sets the compulsory excess. It is usually based on factors like your age, driving experience, make and model of car, and location. They do this at the start of your policy. They also review this at each renewal of your policy.