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Why pay several "excesses" in one incident

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Why have we had to pay several "excesses" when the claim concerned only one incident?

Many holiday policies have excesses that only apply to certain sections of the policy - like baggage claims or medical fees. With these claims, the excess applies to each person individually and if there are three people claiming, then all excesses apply. The only way to avoid getting caught by a condition like this is to check the wording of the holiday policy before you buy it.