home insurance barclays

Home contents insurance excess??

I have home contents insurance with Barclays which covers Accidental Damage.
I have an excess on this for £100.
I want to make a claim for a damaged carpet. I do not understand the excess. Who do I pay this to and when?
Uk only please.

The £100 is deducted from the amount they pay you for your claim ..

Say your Carpet is assessed as being worth £250 .. they will pay you £150 …

Usually the excess is PER CLAIM .. so, for example, IF you had a fire / flood, then you need to put ALL the items damaged on the SAME claim …