Almost. Zero Excess removes excesses across your policy, except for medical claims that relate to amateur sporting and adventure activities or winter sports activities — an excess can still apply to those.
What isn’t removed
- Medical claims linked to amateur sporting and adventure activities: Excess can still apply.
- Medical claims linked to winter sports activities: Excess can still apply.
By policy level
- Silver: Zero Excess isn't available on Silver.
- Gold / Gold Plus / Platinum: Zero Excess removes excesses, with the medical-activity exceptions above.