We're currently moving our policies to a new system and as a result, have made some changes. Previously, we had up to seven different excess options available depending on your policy. Effective 28/04/2025 for new policies and 21/10/2025 for renewing policies, we’ve simplified and reduced the number of excess options we have available on our policies down to three or four options, depending on your policy. If you don’t see your excess here, then it would have changed.
Our new excess options are:
| Home | $400 | $500 | $750 | $1,000 |
| Contents | $300 | $500 | $750 | $1,000 |
| Limited Contents | $300 | $400 | $500 | |
| Landlord | $400 | $500 | $750 | $1,000 |
| Landlord Contents | $300 | $500 | $750 | $1,000 |
| Car | $400 | $500 | $750 | $1,000 |
Please note that your excess impacts your premium; the higher your excess, the lower your premium, and vice versa. Additional excesses may apply in certain situations – see your policy schedule for more details. Find out more about excesses in our blog.