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You make a claim for damage to your own motorcycle to which a £100 policy excess applies. What does that excess mean?

Revision material from the imported DVSA bank includes source-checked Lanekind learning corrections. These corrections are not newly issued official examination questions, and practice does not reproduce a live test paper.

Answer options

The insurance company will pay the first £100 of any claim

You'll be paid £100 if you don't have a crash

Your motorcycle is insured for a value of £100 if it's stolen

You'll have to pay the first £100 of any claim

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You'll have to pay the first £100 of any claimThis was the right answer

For a claim to which a £100 excess applies, you contribute the first £100 and the insurer deals with the covered balance under the policy terms. Different kinds of claim can have different excesses. Do not assume that this own-damage excess applies to every third-party claim.

Reviewed reading for this question

Your contribution to an applicable claimReviewed guidance summary · The £100 is the rider’s contribution to a claim to which that excess applies, not necessarily every third-party claim.

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