Hi, was amazed earlier today when doing a house insurance quote that zero excess was an option, not only that but when I chose it it only put £20 on my premium! The original quote I received was with an excess of £150!! Surely we should all be paying that little extra to have zero excess. I didn't know you could choose your own excess levels as I just accepted in the past the quote details given over the phone. I wonder how many others have taken out their insurance with high excess not realising there is little difference in the overall premium cost. I'd be interested in hearing of others experience of this.