Money & Insurance
The excess is the first slice of every claim you pay yourself. How a higher voluntary excess cuts your premium, why it bites per claim AND per…
By Bishnu Adhikari · Aug 29, 2026
Two policies sit side by side. One is a few pounds cheaper. You buy it — and six months later, after a cancelled trip and a lost bag, you discover the "bargain" cost you hundreds more than the dearer one would have. The number that did it was buried on the…
Travel Himalaya Nepal · News
The excess (or "deductible") is the first slice of any claim you pay yourself before the insurer pays a penny. A higher voluntary excess lowers your premium — you take on more of the risk, so the insurer charges less. It usually applies per claim , not once…
Travel Himalaya Nepal · News
The excess is the oldest lever in insurance. As the standard definition puts it, a deductible is "the amount paid out of pocket by the policy holder before an insurance provider will pay any expenses." Claim for £X of covered loss and the insurer…
Travel Himalaya Nepal · News
This is where the "bargain" is manufactured. Insurers price on risk, and every pound of excess you accept is a pound of risk they no longer carry. As the motor-insurance principle is usually stated: "to reduce the insurance premium, the insured party may…
Travel Himalaya Nepal · News
Two words in the small print do most of the damage. First, the excess is normally charged per claim (per incident), not once for the life of the policy. Three separate mishaps on one trip can mean three separate excesses. Second — and this catches people…
Travel Himalaya Nepal · News
A low premium tells you what the insurer thinks of the risk, not what a claim will cost you . Before you buy the cheapest line on the comparison page, find the excess for every section, multiply it by the number of travellers, and ask a blunt question: if the…
Travel Himalaya Nepal · News
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