What is an Excess?

There are very few terms that we get questions about more than excess. It’s a concept that can sometimes confuse even the most seasoned of insurance customers.

When it comes to insurance, the excess is the amount of money a customer has to pay towards the cost of the claim. With Eversure we will give you the option to increase your excess, in exchange for a discount to the premium, this is because you are taking on more of the financial risk yourself, if and when you come to claim.

What Are My Excess Options?

On Eversure photography insurance policies you have 5 different excess options. Our excess starts at £100 and goes up to £500.

We offer policy discounts at each increasing level of excess, meaning the more excess you decide, the cheaper your policy becomes.

Can I Ever Change My Excess?

When your policy renews each year, you can get in touch and request a change in your excess as well as other aspects of your policy – but unfortunately you can’t ask for a change during your policy term, so it’s really important make sure you’re happy with the amount of excess you may have to pay before you purchase.

When Will I Have to Pay an Excess?

You’ll only need to pay your excess if you make a claim. Typically, this is taken over the phone throughout your claim application or the excess amount will be deducted from the claims settlement. Check your policy schedule before to remind yourself of your excess amount, so you’ll know what to expect.

I've Still Got Some Questions...

No problem, you can check out our FAQs at the bottom of our Photography Insurance page for more answers.

Equally, you can get in touch with our fantastic customer service team by using our contact us form