What happens with my policy excess?

The insurers will deduct the policy excess from the final claim settlement, and you would therefore need to pay this to the contractors yourself. The excess is sometimes reclaimable from managing agents if the damage caused was not your fault but it depends entirely on the terms of the agreement you have with them. If you are in any doubt, please contact them to discuss this further.

Need help finding the exact insurance for you? Get insured
Need help finding the exact insurance for you? Get insured