{"id":44,"date":"2026-10-22T20:31:17","date_gmt":"2026-10-22T20:31:17","guid":{"rendered":"https:\/\/elementor.ltheme.com\/lt-insurance\/what-the-excess-on-your-policy-really-means\/"},"modified":"2026-10-22T20:31:17","modified_gmt":"2026-10-22T20:31:17","slug":"what-the-excess-on-your-policy-really-means","status":"publish","type":"post","link":"https:\/\/elementor.ltheme.com\/lt-insurance\/what-the-excess-on-your-policy-really-means\/","title":{"rendered":"What the excess on your policy really means"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Every policy has an excess: the first part of each claim that you pay yourself (sample note).<\/p>\n\n\n<p class=\"wp-block-paragraph\">Some policies have two, a compulsory excess set by the insurer and a voluntary one you choose. Raising the voluntary excess lowers the price, but you pay more every time you claim.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Before you choose, ask yourself what you could pay at short notice. Your adviser can show you the same policy with two or three excess levels.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>The excess is the part of each claim you pay yourself. How it works, and why a higher one is not always a saving (sample).<\/p>\n","protected":false},"author":1,"featured_media":7,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-44","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cover-explained"],"_links":{"self":[{"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/posts\/44","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/comments?post=44"}],"version-history":[{"count":0,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/posts\/44\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/media\/7"}],"wp:attachment":[{"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/media?parent=44"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/categories?post=44"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/tags?post=44"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}