Excess Insurance Cover
Why Use Our Excess Insurance Cover
Cover all your motor insurance excess costs. Say no to excess - cover all eventualities
Cover yourself in all situations with our Motor Excess Insurance policy, designed to keep unnecessary bills away in the event of claiming your motor insurance policy.
A range of cover options is available, for example:
Excess Claim Limit £500
12 Months - £29.95
24 Months - £59.90
36 Months - £89.85
Excess Claim Limit £1000
12 Months - £50.95
24 Months - £101.90
36 Months - £152.85
What is covered?
Put simply, whenever you must claim under your motor insurance policy, we will pay for any excess costs incurred, unless it exceeds the excess claim limit you purchased. We do not cover any excess payable on windscreen or glass replacement.
Start covering the cost of accidental or malicious damage repairs today
Get the Motor Excess Insurance that is right for you by choosing from our cover level options, designed to best suit your motor insurance policy. Choose between 12-month, 24-month, or 36-month terms with excess claim limits of £250 up to £2,000. Higher limits are available on request.
Instant Protection – You will be covered immediately after you have purchased our Motor Excess Insurance.
No Excess - There is no excess on this policy if you should need to claim.
Purchase Cover Anytime – You can purchase this policy at any time (not just within 30 days since you arranged your motor insurance for the vehicle), but you will not be covered for any incidents that have occurred prior to the purchase of Motor Excess Insurance.
Within the period of insurance, this Motor Excess Insurance policy will pay the lower of either the claim limit selected or the excess due on your motor insurance policy, subject to:
1) The vehicle repairs in connection with the claim under their Motor Insurance Policy are completed, and an excess is payable by you, or
2) The Insured Vehicle is being declared a Total Loss by your Motor Insurer, and an excess is payable by you.
What Is Not Covered
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Vehicles which are used as an emergency vehicle, hire & reward, taxi, dispatch, courier, road racing, rallying, pace making, speed testing, or any other competitive event. We also cannot cover all makes of vehicle – see the excluded vehicle section.
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We do not cover more than 1 claim in any 12 months.
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We do not cover any incident that occurred before the inception of this Motor
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The following vehicles are EXCLUDED from cover: AC, Aixam, Alpine, Asia, Austin, Brabus, Bristol, Bugatti, Cadillac, Caterham, Chevrolet, Chrysler, Coleman Milne, Corvette, Cosworth, Daewoo, Daihatsu, Daimler, De Tomaso, DFSK, Dodge, Eagle, Farbio, FBS, FSO, Hummer, Invicta, Jensen, Koenigsegg, KTM, Lada, Lancia, LEVC, Ligier, LTI, Lynk & Co, MAHINDRA, Marcos, Marlin, Maybach, MIA, Microcar, Perodua, PGO, PRINDIVILLE, Proton, Reliant, Rover, Saab, San, SAO, Talbot, TD Cars, TVR, Westfield, Yugo or Light Commercial Vehicles (LCV) or vehicles over 3500kg.
Please see the Terms and Conditions for all vehicle eligibility criteria and exclusions.
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This policy can be cancelled within the first 30 days for a full refund, less a £25 administration fee, provided no claims have been made. After 30 days, a pro-rata (per remaining full months of cover) refund, less a £25 administration fee, will be provided if no claims are made.
Am I eligible for Motor Excess Insurance?
We aim to make Motor Excess Insurance available to as many people as possible, but there are some circumstances we can’t cover. We ask that you read this page carefully to make sure our policy is right for you.
To be eligible for cover:
The vehicle must be less than 12 years old when you purchase cover.
The vehicle must have covered fewer than 150,000 miles when you purchase cover.
The vehicle must not be used for hire & reward, competition, or off-road use, and is not owned/leased by a person or business involved in carrying out repairs, sales, or servicing of vehicles. For example, a Taxi, a Courier, a mechanic, or a car salesman.
The vehicle must be registered and kept principally in the UK.
Main Benefits
Periods of 30 days, 12, 24, 36, 48 or 60 months with 1 claim per term available.
Cover for all vehicle types under 7.5 GVW.
Underwritten by Acasta European Insurance Company Limited.
10 month payment option (0% APR available with a subsidy).
Claim limits of £100 to £2,000 per claim.
Covers courtesy / Loan vehicles up to 30 days per annum.
We pay the repairer direct - no need to pay first and then reclaim.
No policy excess.
Significant Benefits Over Our Competitors Products
Periods of 30 days, 12, 24, 36, 48 or 60 months with 1 claim per term or 1 claim per annum available.
Cover for all vehicle types under 7.5 tonnes GVW.
Underwritten by Acasta European Insurance Company Limited.
10 month funding option available to allow customers to spread costs - 0% APR (Subsidy payable).
Claim limits of £100 to £2,000 per claim.
Covers courtesy / loan vehicles for up to 30 days per annum.
We pay the repairer direct - no need to reclaim of paying first.
No policy excess.
Transferable to a replacement vehicle that meets the eligibility criteria.
Available as dealer waiver or insurance.