Comprehensive cover for excess charges.

If you file a claim, you can get your excess back from as little as £3.50 per month.

What is motor excess protection?

Simply put, Motor Excess Protection takes away the stress of having to pay your excess if you are in an accident. 

Should you need to make a claim for accidental damage, malicious damage, fire, theft or attempted theft, then our excess protection will mean you won’t be out of pocket in the long run. 

Motor excess protection will cover the following main points:

  • Your chosen excess will be covered if you need to make a claim.
  • Claims resulting from accidental damage, fire, theft and vandalism
  • If non-fault and the third party has not paid the excess within 6 months.
  • More than one claim can be made, the only limit is the maximum amount that can be claimed in aggregate over the policy year.

Types of Vehicles Covered

  • Private Car – no more than 7 passengers used for personal use.

    Business Car – no more than 7 passengers used for personal or commercial use.

    Commercial Vehicle – not exceeding 44 metric tonnes.

What is not covered?

  • Any claims that your policy does not respond to or the excess is not exceeded.
  • Any claim refused under your policy
  • Any claim where your vehicle is used for competition, trial, performance test, race or trial of speed, including off-road events whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event. 
  • Any claim arising from glass repair or replacement.
  • Any claim arising from breakdown or misfuel

Need to make a claim?

Should you need to make a claim, our team will be there when you need them most.

Below gives a brief overview of what will happen in the event of making a claim:

  • Make a claim – this can be done online or by calling the claims number on your documents to obtain a claims form.
  • Claims Form – You will need to fill out the form and provide the following documents:
    • Settlement Letter – letter from your insurer stating the incident date, who was at fault etc.
    • Proof of excess payment – for example, a garage receipt
    • Main insurance policy schedule – confirms the policy details and excess amount.
    • Excess policy schedule – the certificate of insurance for your excess policy.
  • Review – Once the above has been received, our claims team will review the information within 5 working days.
  • Refund – if no further information is required, the claims team with pass the claim to our finance department who will refund you.

Want to add this to your existing policy? Call us now!

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