Your excess amount is 300 DHS, and repairing bike damages cost 500 DHS; in this case, you will have to pay 300 DHS, while your insurance provider pays the rest 200 DHS. If your bike is written off, the insurance provider will deduct the excess from the final payment you agreed to receive. You must remember that if your bike's damages cost is lower than your excess amount, such as lower than 300 DHS, you still have to pay the expenses from your pocket.