“Car Insurance Deductibles
What Is a Deductible?
An insurance deductible is the portion of the bill for which you are responsible in the event of a covered loss, such as an accident or a theft.”
( http://www.carinsurancerates.com/car-insurance-deductibles.h... )


“What is Insurance Excess?
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One of the terms that you will hear is the excess. The excess on your motor vehicle is the amount that you pay into the insurance company when you have an accident. Technically, it is the first amount that you will pay for the repairs or replacement of your vehicle. This figure is almost totally dependent on you, although what you pay for your excess is calculated by the insurance company based on a range of factors.”
( http://ezinearticles.com/?What-is-Insurance-Excess?&id=43489... )


“What Is The Franchise In Autoinsurance?
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The franchise can be considered as an unconditional obligation from outside the insurance company to compensate for the account of own means a part of the caused loss in the established cases and in the established size.
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I will give an example: the unconditional franchise at a rate of 5 % from the insurance sum of 10 thousand dollars, that is 500 dollars is established. The loss in road accident has made 1 200 dollars. Then to the client will pay 1 200 – 500 = 700 dollars.”
( http://www.cheapestautoquote.info/what-is-the-franchise-in-a... )

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Note added at 1 day7 hrs (2011-12-02 20:50:06 GMT)
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- deductible – odbitna franšiza, deo osigurane štete koji ide na teret osiguranika, iznos koji vlasnik plaća po odštetnom zahtevu
- excess – 1) višak; 2) franšiza, učešće osiguranika u šteti
- franchise – franšiza, vlasiti udeo, iznos gubitka koji osiguranik mora da plati da bi bio obeštećen po ugovoru o osiguranju, učešće osiguranika u šteti
(Simurdić B, En-sr/sr-en. rečnik termina u osiguranju)