Insured may opt for higher deductible over and above the compulsory deductible (Rs.50 for Two Wheelers and Rs.500/Rs.1000(Exceeding 1500 cc)/- for Private Cars)If you opt this, this is the amount that you have to compulsorily bear during the event of a claim e.g. if your claim amount is Rs. 20000 and the voluntary deductible is Rs. 3000 then you have to bear the first Rs 3000 and the claim will be worth Rs 17000.You can get discount up Rs. 2500 depending upon the deductible you select.