What does proposer excess mean when quoting for cars?

Proposer Excess: This refers to the additional amount that the policyholder (the person proposing the insurance) will have to pay if they make a claim. It's an excess that is specific to the policyholder, rather than the vehicle itself.

For example, if the standard excess for a car insurance policy is £500, and the proposer excess is an additional £100, then the policyholder would have to pay a total of £600 if they make a claim.

The proposer excess can vary depending on the insurance company, the type of vehicle, and the policyholder's driving history and experience. It's important to be aware of the proposer excess when comparing car insurance quotes, as it can affect the overall cost of the policy.