> For the complete documentation index, see [llms.txt](https://docs.loopit.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.loopit.co/assets/price-overrides/setting-up-multi-layered-damage-excess-configurations.md).

# Setting Up Multi-Layered Damage Excess Configurations

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This article walks through how to configure multi-layered damage excess options in Loopit, giving you the flexibility to tailor coverage for different customer needs and vehicle categories.

The goal is to provide three tiers of excess — **standard, reduced, and zero excess** — allowing customers to balance risk and cost in a way that suits them best. You’ll also see how to set different excess amounts and apply weekly rates across vehicle categories such as **medium, large, and supercar fleets**.

By the end of this guide, you’ll know how to configure a structured and transparent damage excess model that enhances customer choice while protecting your business.

This guide shows you how to:

* Create items for weekly rates and excess amounts.
* Add charges to your packages.
* Configure category-specific pricing overrides.
* Insert dynamic fields into agreements

{% stepper %}
{% step %}

### Create Items for Excess Options

1. Go to **Settings > Items**.
2. Create three items for the weekly rates:
   * Standard Excess
   * Reduced Excess
   * Zero Excess
3. Create three matching items for the excess amounts:
   * Standard Excess Amount
   * Reduced Excess Amount
   * Zero Excess Amount

These “Amount” items represent the one-off charges that apply in the event of a claim.
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### Add Charges to Your Package

1. Open the relevant **Package**.
2. Add six new charges in total:
   * 3 × Weekly Rates (ongoing, flat fee):
     * **Standard**: Always included, $0/week.
     * **Reduced**: Add-on, default e.g. $45/week.
     * **Zero**: Add-on, default e.g. $60/week.
   * 3 × Excess Amounts (once-off, flat fee, ad-hoc):
     * **Standard**: e.g. $1,500.
     * **Reduced**: e.g. $1,000.
     * **Zero**: $0.

{% hint style="info" %}
Excess Amount charges should be set as **ad-hoc** so only staff can apply them in the event of a claim.
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Configure Category-Specific Overrides

1. Go to **Pricing Overrides**.
2. Apply different amounts and weekly rates per category:

**Example Setup**

| Category | Standard Excess | Reduced Excess | Zero Excess | Reduced Rate | Zero Rate |
| -------- | --------------- | -------------- | ----------- | ------------ | --------- |
| Medium   | $1,500          | $1,000         | $0          | $45/week     | $200/week |
| Large    | $2,000          | $1,200         | $0          | $65/week     | $300/week |
| Supercar | $3,000          | $2,500         | $0          | $120/week    | $450/week |

This ensures higher-value vehicles carry higher excess amounts and premium rates.
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{% step %}

### Update Agreements with Dynamic Fields

1. Open **Contracts > Template Editor**.
2. Insert variables for excess options into your agreement terms:
   * Standard Excess Name + Value
   * Reduced Excess Name + Value
   * Zero Excess Name + Value
3. Use **dynamic workspace item fields** so the correct amounts are automatically populated based on vehicle and selection.

This ensures that in the event of a claim, the agreement clearly reflects the chosen excess tier and amount.
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