Excess is the amount that you agree to pay towards the damage to your vehicle. You should make sure you are aware of any applicable excess and policy limits your car insurance policy may have. You may have more than one excess amount, i.e. a glass claim may be subject to a different excess than if your car is stolen. There is always an excess for windscreen replacement claims and most insurance policies also have maximum limits the insurer will pay out in a claim. You need to check you would be able to afford the excess in the event of a claim, and that the maximum limit would be sufficient to cover your loss.