This is a voluntary amount deducted from any claim settlement and represents your contribution to the claim cost and is in addition to any Compulsory Excess. If you have an excess of £50 and your claim is for £300, then you will only receive £250 from your Insurer. If the accident (in the event of a motor claim) was not your fault then you may be able to recover this from the person to blame (third party) or their Insurers. See Uninsured losses.