Zero Excess removes the standard policy excesses, but it does not remove the increased medical excess that applies to certain hazardous and winter activities.
What this article helps you do
This article explains which excesses are removed when you have Zero Excess and which excess can still apply.
Which excesses does Zero Excess remove?
- Zero Excess removes the standard excesses that would normally apply under your policy.
- The hazardous activities medical excess is not removed by Zero Excess.
- This includes increased medical excesses that apply to certain amateur sporting and adventure activities or winter sports activities.
- The applicable activity conditions and excess will still apply even if you have selected Zero Excess.
What happens if I take part in a hazardous activity?
Some activities have an increased medical excess because of the activity involved.
If an increased medical excess applies to the activity, Zero Excess does not remove that excess.
All other standard excesses are removed where Zero Excess applies.
Before you travel
If you plan to take part in sports or other activities, check the activity conditions and any medical excess that applies before you travel.
Read your policy documents for the full terms, conditions and excesses that apply.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.
Updated