Your excess applies once per claim, across all sections (buildings and contents).

Depending on the type of damage:

• If the cost of repairs is less than £4,000, the claim will not be accepted

• If the cost of repairs is more than £4,000, you may need to pay the £4,000 excess upfront so work can begin

• If you cannot afford to pay the excess, we may offer a cash settlement instead and deduct the £4,000 excess from the amount we pay you

• If the property is beyond economic repair and needs to be rebuilt, we deduct the £4,000 excess from your final settlement