What is a Policy Excess?

by Hazel Tynan


Posted on July 31, 2018


public liability mobile home insurance

Should a claim arise and a pay-out is due to the policyholder, insurers will generally apply an excess. In essence the insured must pay a predetermined amount of each claim.

For example: If a claim of €5,000 is to be paid out on a policy with an excess of €500, the amount that the insured will receive is €4,500.

It is very important to check the excess on a policy before taking it out. Some policies may seem to offer a really cheap price. However look at the small print and you may see a very big policy excess! This could leave people in a tricky spot should a claim arise.

NB. Always consult your policy document and schedule for exact policy terms and conditions.


Hazel Tynan

HI, I'm Hazel, Home / Mobile Home Insurance Executive here at Kidd Insurances Insurance. If you have any question reagrding mobile home insurance policy, please call me on 01 207 4000 or send me an email hazeltynan@kiddinsurances.ie.

Best Mobile Home Insurance Advisor - Hazel