Compulsory excess is a fixed amount that you must pay towards the cost of a car insurance claim, and it is set by your insurance company. It is non-negotiable, and there is no opportunity to change it. The amount of compulsory excess depends on different factors, including your age, the type of claim, and your car type. If you make a claim, you might have to pay both the voluntary and compulsory excess.

In contrast, voluntary excess is an amount you agree to pay on top of the compulsory excess to reduce the overall cost of your insurance. You choose your voluntary excess, and it gives you control over the cost of your car insurance. You can either choose a lower voluntary excess for a higher premium or a higher voluntary excess for a lower premium. The amount of excess you pay when you claim may vary depending on the voluntary excess amount you chose to pay, the type of claim, and your age.

To summarize, compulsory excess is a fixed amount set by your insurance company, while voluntary excess is an amount you choose to pay on top of the compulsory excess to reduce the overall cost of your insurance. Both amounts are automatically added together, and you will have to pay both in the event of making a claim.