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An excess is the amount you have to pay towards the cost of a claim. For example, if you have storm damage to your roof that costs £1,000 to repair, and your policy has an excess of £100, you pay the excess of £100 but can claim for the other £900.
This covers damage that's sudden, unexpected and not done on purpose. And caused by a specific, one-off event. For example, a football smashes your window. Or you spill a drink on your carpet.
It doesn't include damage that's due to a lack of maintenance. Or damage that happens slowly over time. For example, if your roof leaks because it hasn't been looked after properly. Or your computer breaks down because it's old.