--- title: "Your motor insurance has an excess of £500. W… | Theory Test" description: "Your motor insurance has an excess of £500. What does this mean? The correct answer is “The first £500 of the claim must be paid by you”. 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What does this mean?", "text": "Your motor insurance has an excess of £500. What does this mean?", "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The first £500 of the claim must be paid by you. An insurance excess is the agreed amount you must pay towards any claim before the insurance company pays the remainder. If repairs cost £1,200, you pay the first £500 and the insurer covers the remaining £700. The excess is never paid by your insurer, nor is it a cash refund or the maximum value of your policy. DVSA guidance stresses knowing your policy details so you can manage costs if an accident happens." }, "suggestedAnswer": [ { "@type": "Answer", "text": "The first £500 of the claim will be paid by your insurance company" }, { "@type": "Answer", "text": "You will be refunded £500 if you do not claim in a year" }, { "@type": "Answer", "text": "Your vehicle is insured for up to £500" } ] } } ] --- Get an exclusive 15% off - Offer ends next week! 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DVSA-style practice question · Essential Documents ## The answer options - The first £500 of the claim must be paid by you**Correct** - The first £500 of the claim will be paid by your insurance company - You will be refunded £500 if you do not claim in a year - Your vehicle is insured for up to £500 ## Why that is the answer An insurance excess is the agreed amount you must pay towards any claim before the insurance company pays the remainder. If repairs cost £1,200, you pay the first £500 and the insurer covers the remaining £700. The excess is never paid by your insurer, nor is it a cash refund or the maximum value of your policy. DVSA guidance stresses knowing your policy details so you can manage costs if an accident happens. ## How this comes up in the real test Questions from essential documents appear throughout the 50-question multiple-choice section, and the wording changes between versions. Learn the rule rather than the sentence: the DVSA can ask the same point from the opposite direction, and a memorised answer falls over the moment the phrasing moves. The pass mark is 43 out of 50, so seven wrong answers is your entire margin. If a whole category is shaky, run the topic practice below until you are getting every question right for the right reason, then go back to full mocks under the clock. [Practise Essential Documents](/theory/quiz/essential-documents)[Sit a full mock test](/theory/mock-test) ## More essential documents questions - [A police officer requests to view your paperwork. They are not with you at this time. How many days do you have to produce them at a police station?](/theory/questions/a-police-officer-requests-to-view-your-paperwork-they-are-not-with-you-at-this-time-how-ma) - [Before you can legally use a motor vehicle on the road, what do you need?](/theory/questions/before-you-can-legally-use-a-motor-vehicle-on-the-road-what-do-you-need) - [Before you drive someone else's vehicle, what must you ensure?](/theory/questions/before-you-drive-someone-else-s-vehicle-what-must-you-ensure) - [For how long is a Statutory Off-Road Notification (SORN) valid?](/theory/questions/for-how-long-is-a-statutory-off-road-notification-sorn-valid) - [For how long is an MOT certificate normally valid?](/theory/questions/for-how-long-is-an-mot-certificate-normally-valid) - [The vehicle registration document will tell you what?](/theory/questions/the-vehicle-registration-document-will-tell-you-what) ## Ready to book the real thing? 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