Damage to my car from a traffic sign lying in road

In poor visibility one morning last October, I ran over a temporary traffic lights sign lying, almost invisible, in the mud on a narrow country road. It sprang up and damaged my car. My insurers arranged...

What does 0 per cent compulsory excess mean?

I am looking for car insurance and I'm totally confused with the different policy offers, particularly with regard to 0 per cent compulsory excess. Help please.