Is the PI excess charged to the member?

We have FSA compliant cover which will cover you as a member of our Network. We have a risk based approach where you will be asked to pay for the FSA Compliant excess (£5,000) on any upheld claim. Following an upheld complaint, an individual adviser's excess will increased to £10,000. If after three years, there have been no further upheld complaints, the excess will be returned back to £5,000.