We sell a few different types of polices at a few different prices.
By taking a policy that has an excess which is payable per claim, you'll find you pay less up front.
You'll be able to see if the policy you're looking at buying has an excess by checking the table (see below for an example).
However, some aspects of your cover may operate on a pay and reclaim basis, such as overnight accommodation or motorway recovery fees. This means that you will need to pay for the costs and then reclaim them from your assistance provider. If this happens, it's really important that you keep all your receipts.