Penalty Own Damage Excess Reducer (HCVs, LDVs and Trailers)
This cover reduces the various own damage penalty excesses of the underlying insurer that is in addition to the basic excesses. 
Penalty Own Damage Excess Reducer (HCVs, LDVs and Trailers)
This cover reduces the various own damage penalty excesses of the underlying insurer that is in addition to the basic excesses.