20/10/2026
💰 WHAT IS AN EXCESS?
Ever heard the word “excess” when making an insurance claim and wondered exactly what it means? 🤔
Simply put, an excess is the amount you’re responsible for paying towards a claim before your insurer covers the remaining insured amount, subject to the terms of your policy. Usually called a “basic excess”!
For example:
🚗 Your approved claim is R20,000
💳 Your applicable excess is R2,500
🛡️ Your insurer pays the remaining R17,500, subject to your policy terms and limits.
It’s important to know that different excesses may apply depending on your policy, the type of claim and the circumstances of the loss.
Watch out for additional excesses (if applicable).
Not sure what excess applies to your insurance? Speak to your Barton broker — we’re here to help you understand your cover before you need to claim.
📞 0860 999 888
📧 [email protected]
🌐 www.barton.co.za
Barton Insurance Brokers
Personal Service & Professional Advice.
