The deductible is the amount that remains payable by you in the event of a claim.
For example, you have chosen a deductible in the amount of 150 €.
Unfortunately, you have suffered a claim with an invoice of € 500. We will cover the 500 € minus the amount of your excess, i.e. in total: 350 € (= 500 € - 150 €).
During the course, it is you who adjust the amount of your deductible. Thus, the amount of your monthly payment varies depending on your choice of your deductible.
The higher you choose a deductible, the lower your monthly payment.