An excess is the amount you have to pay for each incident that you claim on. There will often be an excess on home and contents claims, and there is an extra unoccupied excess if your property has been unoccupied for more than 60 consecutive days. Your excess amount will be shown on your certificate. Apia may waive your excess if the incident you are claiming on was caused entirely by another person and you can provide the name and address of the person responsible or if applicable their name and registration details.