How it works
The excess, also called the deductible, is the amount you contribute towards each own-damage claim before the insurer pays the balance. It is stated on the policy schedule and generally applies per claim, not per year.
Additional excesses can apply in specific situations — for example for young or inexperienced drivers, or for certain vehicle categories. These are listed separately on the schedule.
The trade-off with premium
A higher excess usually reduces the premium, because you are retaining more of the small-claims risk yourself. That is a reasonable choice only if you could comfortably pay the excess at short notice.
When you compare two quotations, compare the excess alongside the premium. A cheaper policy with a much higher excess can cost you more the first time you make a claim.
Important: The information on this page is general guidance about motor insurance in the UAE and is not a policy document or a guarantee of cover. Cover, benefits, exclusions, excess amounts and pricing differ between insurers and depend on your vehicle, driver profile and the policy wording issued to you. Always read the policy schedule and terms issued by the insurer before purchasing.