Also known as a ‘deductible’. This is the amount of loss you have to bear before your insurance
company will pay for the balance of your vehicle damage claim. The types of excess applicable
are as follows:
Compulsory excess of RM400 – if your vehicle is driven by a person not named in your policy or
a person named in your policy who is under the age of 21, the holder of a provisional (L) driving
licence or the holder of a full driving licence of less than two years.
Other excess – applicable at the discretion of your insurance company and in some cases, no
excess is imposed. You can negotiate with your insurance company on this excess.


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