The deductible is the amount that remains to be paid by you after a claim covered by your auto insurance policy has been activated.

Its purpose is to make drivers more responsible. If an accident occurs, the insurer and the insured jointly contribute to the cost of compensation. 


At Lovys, you are free to choose the amount of your deductible when you subscribe to a policy, and can change it during the term of your contract. 

If you have chosen an excess of 150€ and you suffer a claim with an invoice amounting to 500€, we will cover the claim up to 500€ - 150€, i.e. 350€.


The amount of your monthly premium varies in particular according to the amount of your excess: the higher the excess you choose, the lower your monthly payment.