How does excess work? Does it impact the protected value?

The excess is personal to you, based on factors including your age and location. When you get a quote, you'll receive a range of excesses and can choose the one you wish to pay (this will impact your protection rate, which is how much you pay to protect your item).

If you were to make a claim, your excess would be deducted from your payout.

The protected value of your item is based on the amount our data partners estimate it would cost to replace the item.