Yes, we believe it is right to have a small excess on any claim. All claims are subject to an excess, regardless of the level of cover selected.
The underwriters rightly include this clause/small excess levy as it has shown that practitioners take more ownership of their practice knowing that a small excess is placed on their policy. It's the same idea with car insurance, an excess hopefully makes you think a little bit more about your driving. This, in turn, reduces the overall claims for the group as a whole which helps us to maintain the low premium pricing to you all.
In fact, the risk team from the underwriters often comment that they'd rather us not have people who won't agree to a small excess in the group as perhaps they are more risky practitioners.