Your excess is the amount you pay toward the cost of your claim for each incident covered by your policy.
Your excess is shown on your certificate of insurance and applies to all claims unless your policy states otherwise.
You can be asked to contribute this cost upfront, or it can be deducted from an amount that Chubb pays you.
An Unoccupied Excess will also apply if at the time of the instance covered by your policy, your home has been unoccupied for more than 60 continuous days.