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Car Insurance. Information about Excess payments. Part 2

What is a compulsory Excess?
A compulsory excess is the minimum excess value your insurer will accept

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on your policy. Minimum excesses do vary by insurance company and according to your ( medical insurance ) personal details and driving record. Whilst the average excess is around £100, younger drivers could be faced with as much as £500 whereas a mature experienced driver with a good driving record, could be ( mortgages ) asked to pay just the first £50.

What is a voluntary Excess?
In order to keep your insurance ( unsecured loans ) premium down, you may volunteer to pay a higher excess than that demanded by the insurance company. Your voluntary excess is the amount over and above the compulsory excess which you agree to pay in the event of a claim on the policy.

My car has now been repaired and but the ( travel insurance ) garage will not release my car until I pay the policy excess to them. Is this right?

Yes, this is the normal practice but be sure to inspect the car when you collect it to satisfy yourself that the repair is perfect. Then make sure you retain their receipt for your excess payment as this will be required if you ( personal loans ) are reclaiming against a third party's insurance. Just in case of disputes, it's also a good idea to make sure you have a repair schedule, which lists all the repairs that were made to you car.