Excess is the first part of the financial damage which you are responsible for. For example, if the damage to your motorcycle was S$2,000 and your excess on the Motorcycle Insurance Summary states S$500 for damage to your motorcycle, you will be responsible for the first S$500 if repair is done at an FWD Premium Workshop. If you choose to get your motorcycle repaired at a workshop of your choice, the excess is S$1,000.