I think they should remove the words "Volunatary Excess" and replace it with "Increase Excess to Reduce Premium".
This is the trouble with buying anything these days – vague and misleading wording.
Someone mentioned that one would be niaive to expect an excess to be voluntary in the event of a claim, but why make it sound like there is a possibility that is might be the case?
I support the campaign for Plain English!
When scouring insurance scraping sites, it's pretty clear that there are many pitfalls. The conclusion I draw is that sites like Gocompare, Moneysupermarket, Comparethemarket and Moneysavingexpert are useful for getting a pile of quotes on one screen, but their search software doesn't work properly in keeping to your entered criteria, so you are not comparing like for like. The price ranking therefore isn't much use in this instance. You have to drill down into individual quotes to see what is actually covered, what the different excesses are, any exclusions.
This is all fine if you have all day plus a good memory. Chances are, you won't get the best deal if you take these results at face value and/or are in a bit of a hurry.