# What is an excess in insurance?

**Excess is the amount of money you, the insured driver, need to pay towards a claim, in case you activate a cover and ask for compensation.** For example, if you activate the "Natural Phenomena" cover and the repair of your damage costs €600, you will pay €300 (which is the excess amount for this cover) and your insurance company will pay the rest €300.

You can check which covers have an excess, while choosing an insurance programme, to get a quote. Please note that in some cases you can change the excess amount, and keep in mind that the excess amount can affect the premium’s total amount. This means, **the lower the excess amount, the higher the premium.**

The best part: If you choose to repair your car in one of our partner garages, you will have an **exclusive 50% discount** on the exemptions of the following covers: Natural Phenomena, Partial Theft, Malicious Acts, Own Damages.

Human page: https://www.hellasdirect.gr/docs/en/excess-car-insurance