Frequently Asked Questions
An excess is the amount of money you agree to pay toward a claim before your main insurance company pays the rest.
After you have paid your excess to your motor insurer, you then submit the receipt to us, and we refund that money back to you. It stops a car accident from causing a sudden financial strain.
No. Your excess policy will only respond when you have made a valid claim under your motor insurance policy and the damage to your vehicle costs more than the level of excess on your motor policy.
Compulsory excess is set by your main insurer. Voluntary excess is an extra amount you choose to add to lower your motor insurance premium. Our policy covers both added together, up to your chosen limit.
Yes you do need a motor insurance policy.
Simply call us on 01803 416 283 or email us at: [email protected].
Yes, Theft, Road traffic accidents, Fire, Accidental Damage
Yes, but only if a recovery has not been made from the third party after 6 months from the date of the accident.
No
You can make as many claims as you like up to the excess amount that you purchase. For example if you purchased a £500 excess cover and your motor insurance excess was £250, you would be able to claim for 2 incidents during your policy period.
No. We will only cover incidents that happened after you have purchased the excess policy. Please note we will not cover any claim in the first 14 days of this policy unless you have purchased this cover within 14 days of your Motor Insurance policy or you are renewing your excess policy.
The choice is yours but you should take into consideration whether there are any special terms, higher excesses or young driver excesses that may be applicable to your motor policy and look to purchase a level of excess protection that suits your needs.
Our policy covers any driver named on your main motor insurance, up to your chosen total limit. If your policy has a higher excess for younger or additional drivers, your cover will adapt based on the limit you chose to protect. Scenario: Your excess is £300, but increases to £1,000 when your son drives. If you choose £1,000 of excess protection:
- You crash: You pay your £300 main excess. We refund you £300.
- Your son crashes (damage to car over £1,000): You pay the £1,000 main excess. We refund you £1,000.
- Your son has a minor scratch (damage is £400): Your main insurer will not process claims under your £1,000 main excess. Because no main insurance claim can be made, no excess refund is paid.
- Your son crashes (damage over £1,000): You pay the £1,000 main excess. We refund you our maximum limit of £300. You must pay the remaining £700 yourself.
Top Tip:
Think about buying an excess policy limit that matches the highest possible excess on your main insurance policy to ensure total peace of mind.Yes it can. An administration charge of £10 will apply.
12 months. You can then renew each year. We will contact you before your renewal date to see if you wish to renew. We do not automatically renew your policy.
Please contact us by phone or email with your query.
