A Guide to Excess Insurance
Protect Your Pocket from Costly Car Insurance Excess
If you have an accident in your vehicle and it is your fault, your main insurer will make you pay an "excess" fee before they cover and pay for the repairs. Check your motor insurance policy to see what your excess is as this can easily be £250 to £500 or more. That’s not to mention any additional excess that you might have for younger drivers or any voluntary excess you agreed to have to bring the cost of your motor insurance down.
Very simply our Motor Excess Insurance reimburses you the excess you have to pay. Find out more below...
We will reimburse your motor insurance excess for:
- Accidents: Damage to your vehicle from a collision.
- Theft: Excess fees if your car is stolen.
- Vandalism: Excess fees resulting from malicious damage.
- Fire: Cover following vehicle fires.
- Claims relating to any glass repair or replacement, misfuel or breakdown.
- Claims where your main insurer rejected your claim.
- Claims that happen in the first 14 days of this policy starting (unless it’s renewal or has been purchased within 14 days of your motor insurance starting)
- Drivers not named on your main car insurance certificate.
- taxi’s, minicabs, racing, or track days.
These are the main things. Your policy terms and conditions will confirm everything that isn't covered.
- Private cars
- Motor homes
- Motorcycles
Your vehicle must not be able to carry more than 7 passengers. It must not be used as a taxi or used in relation to the motor trade.
Please call us we might be able to help
Many drivers intentionally raise their voluntary excess to lower their main car insurance premium. While this saves you money upfront, it comes with a catch:
- If a minor scrape or dent costs less to fix than your total excess amount, your main insurer will not process the claim at all.
- Many customers raise their main excess to get that cheaper car insurance premium, but then purchase an Excess Protection Policy from us to avoid that unexpected larger bill if you ever need to make a claim.
- Choose Your Limit: Select how much total excess cover you want for the year (e.g., £500, £750, or £1,000). It’s good to check what your excess is on motor insurance policy to ensure you have enough cover.
- Enter Your Details
- Pay Securely: Complete your checkout via debit card, credit card
- Instant Protection: Receive your policy documents via email immediately.
