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Excess casualty insurance is designed to cover events that happened when the policy was in force but that may not be discovered until years later. That means a customer's coverage is only as good as the ability of the insurer to stay in business and be around when a claim is finally made.
Excess is the amount you'll have to pay in the event of a claim. For example, if your excess is $500 and your claim is worth $1,200, you will pay the first $500 and the insurer the remaining $700.Normally this is paid directly to the mechanic or garage making the repairs.hings to think about when considering your excess: 1  It may be worth increasing your excess simply to save money on your insurance premium. 2  But before you do, consider the car you drive and what would happen in the event of a claim.