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What is an excess?

An excess is the amount you have to pay when you make a claim for each insured incident.

What is premium?

The amount of money you pay the insurance company for your selected policy.

How do I calculate the right amount for my home and contents insurance?

General rule of thumb is to add the amount it would cost to rebuild your house or replace its contents.

What is third party car insurance?

This insurance covers you for when your vehicle causes damage to other’s car or home. Third party does not cover damage to your vehicle.