An excess is the amount you need to pay if you make a claim on your Kogan Car Insurance policy.

Many insurance policies have either a voluntary excess or a standard excess. A standard excess means it applies to every claim. A voluntary excess can be chosen by customers and it may help to bring down the cost of your insurance premiums because it means that you are contributing more towards the cost of the claim if you need to make one.

There can be situations where multiple excess will apply when you make a claim. For example, if a young driver is involved in a car accident, an inexperienced driver or an age excess could apply on top of the standard excess.

You can find the amount of each excess you’ll need to pay on your Certificate of Insurance