Insurance companies impose excesses on their policies. These excesses are amounts payable by the insured in respect of each claim he or she may incur. The purpose of excesses is to discourage small run-of-the-mill claims from being submitted to the insurer. The thinking is that excesses will make the insured more careful and responsible.

However, it is unfortunate that usually when disaster occurs, you will financially not be ready for it. The excess payable is an extra unexpected financial burden. It is this burden which X’S Sure proposes to reduce and/or take away by offering excess waiver cover. For an extra premium, you can negotiate to reduce your excess or to eliminate it altogether.

We now cover the excess on your domestic/private, light commercial vehicles, trailers, caravans, motorhomes, motorboats and jet-skis.