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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.
The excess amount will be specified on your Certificate of Insurance. Voluntary excess. This is an additional amount, on top of your fixed excess, that you agree to pay in the event of a claim. Increasing your excess effectively reduces the financial risk carried by your insurer, which should thereby lower your premium.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.