These questions are more generic across our range of insurance products. Each specific insurance type will have more specific questions on their own product page.
A compulsory excess is the standard insurers excess, and an additional voluntary excess may be added on to reduce the premium. The total excess is a combination of the two, and this is the amount to be paid in the event of a claim.
No claims bonus is not applicable to all policy types, however insurers will take into account how long you have held insurance for and have been claim free.