Be careful with Aviva, they have a compulsory excess and a voluntary excess like most insurers do but you'll find that the terms of the voluntary excess mean it has a minimum value based on policy type. i.e. it's actually a mandatory excess in disguise.
I was unable to reduce the voluntary excess to £0 because they informed me '£250 is the minimum excess on all insurance policies'. Given a mandatory excess of £150 on top, I was looking at £400, which is totally unacceptable at my age.
I settled for not only a lower quote but a total excess of £60 instead.
