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Change your policy excess

What is an excess and how to change the amount you contribute to a claim on your insurance policies.

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Change your policy excess

What is an excess and how to change the amount you contribute to a claim on your insurance policies.

What is an excess

Your excess is what you contribute when you make a claim. Say your excess is $500 and the repair costs $2,000. You'll usually pay the excess and we'd cover the remaining $1,500.

It's deducted from your payout. Or you pay the excess amount to the repairer or us.

Some policies have additional excesses, like driver excesses on car policies.

Choosing a higher standard excess can reduce the cost of your insurance premium. A lower excess means you'll pay less at claim time, but your premium will usually be higher.

Which policies you can change the excess on

You can raise or lower your excess on the following policies in the AMI app or My AMI, your online account.

  • Car
  • Home
  • Contents
  • Landlord’s

The excess on the following policies is fixed and cannot be changed.

  • Classic Car
  • Third Party
  • Third Party, Fire, and Theft

For all other policies, call us.

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Check your current excess

You can view your excess in the app or online account under each policy. Or, check the policy schedule we send you, which has details specific to you.

How to change your excess

Follow these steps in the app or online account.

  1. Navigate to Policies. 
  2. Select the specific policy you want to edit. 
  3. Go to Asset details. 
  4. Select Excesses. 
  5. Choose Edit excess. 
  6. Select the new excess amount. 
  7. Review any premium change that applies. 
  8. Confirm and complete the change. 
  9. Receive an email with your Mid‑Term Adjustment (MTA) and updated policy documents. 
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You cannot change certain excesses that apply to some policies and claims. These are set by AMI. For example, car policies have additional driver excesses based on specific risk factors like driver age, or licence history.

If you cannot do it online

If you do not use the app or online account, or your policy is not in the app, call us to change your excess.

Contact us