Let us explain with an example. If your excess amount is 1000 AED, repair problems cost 2000 AED; in this situation, you will have to pay 1000 AED, while your insurance policy provider pays the remaining 1000 AED. If your vehicle is written off, the insurance company will subtract the excess from the final payment you consented to. You must remember that if your vehicle's damage price is less than your excess amount, such as lower than 1000 AED, you still have to pay the costs from your pocket.