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There's a "minimum voluntary" excess (yeah, it's not really voluntary )of £150 on Aviva direct comprehensive policies which can be increased but not lowered. On TPFT policies, it's £250 (not available for under 25s). On top of this, there are "young driver" excesses of  £300 for 17-20 year olds and £200 for 21-25year olds. Certain performance or high value vehicles may also have additional excesses but this won't apply for any Micras...