What's an excess?

An excess is an agreed amount of money that you need to pay when you make a claim. The amount was confirmed when you took out your policy, which you can also find in the policy documents you received.
 
Compulsory excess
This is the excess set by your insurer. This amount will vary based on which policy you have and the type of claim you’re making. 

Voluntary excess
This is the excess you chose when you bought your policy.

The excess you pay is the total of the below added together

• The compulsory excess set by us.
• The voluntary excess you chose when you bought your policy.

Here are the compulsory excess amounts for our policies:

Hastings Essential

Standard compulsory excess: £250

Escape of water compulsory excess: £750

Subsidence compulsory excess: £1000

Hastings Direct and Hastings Premier

Standard compulsory excess: £100

Escape of water compulsory excess: £500

Subsidence compulsory excess: £1000