Excess Protection insurance
Excess Protection insurance covers both the voluntary and compulsory excess charged by your comprehensive motor insurer if you make a claim.
Cover available for 12 months at a time, with cover levels of £300, £500, £750, £1000 and £1500 to choose from.
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How does Excess Protection insurance work?
Making a claim on your comprehensive motor insurance policy would usually involve you having to pay a compulsory (and probably an additional voluntary) excess.
When taking out Motor Insurance, agreeing to pay a higher excess amount in the event of a claim, will normally result in a cheaper motor insurance premium, but of course, this could land you with an expensive payment to make in the event of a claim. With a range of cover levels to choose from, Excess Protection insurance will cover both the compulsory & voluntary excess payable to your comprehensive motor insurer for any claim made* and, with low premiums, may well allow you to insure your car, for less.
* - excluding glass claims.
The cover level chosen is the Maximum Policy Limit that will be paid during the period of cover.
Available cover level options are:
- £300
- £500
- £750
- £1000
- £1500
Once the Maximum Policy Limit is exhausted, your Excess Protection cover will terminate and you will then be liable for all and any future Excess payments as defined in your Motor Insurance Policy. Unless you purchase another policy.
Policy documents
Am I eligible for Excess Protection insurance?
You can buy Excess Protection insurance if:
- You (the person to be insured under the Excess Protection policy) ARE the policyholder of the Comprehensive Motor insurance policy covering the vehicle.
- Your vehicle is NOT being used for Class 3 Business use (e.g. the transportation of light goods and selling purposes such as door-to-door sales).
- Your vehicle IS your own private vehicle.
- Your vehicle has NO MORE than 7 seats, including the driver's seat.
- Your vehicle has a MAXIMUM gross vehicle weight no greater than 2,500kgs
- Your vehicle is NOT being used for commercial purposes (e.g. as a taxi, minicab, limousine, as a driving school vehicle, or for commercial use by sales representatives).
- Your vehicle is NOT being used for any dispatch or delivery services.
- Your vehicle is NOT being used for any purpose in connection with the motor trade.
- Your vehicle is NOT being used in any competitions, trials, performance tests, or off road events.
- You ARE a permanent resident of the United Kingdom (England, Wales, Scotland, Northern Ireland - excluding the Channel Islands and the Isle of Man)
- You ARE aged 17 or over.
- You and all named drivers on the Comprehensive Motor insurance policy HAVE a current full and valid UK driving licence.
You can NOT buy Excess Protection insurance if:
- You (the person to be insured under the Excess Protection policy) ARE NOT the policyholder of the Comprehensive Motor insurance policy covering the vehicle.
- Your vehicle IS being (or will be) used for Class 3 Business use (e.g. the transportation of light goods and selling purposes such as door-to-door sales).
- Your vehicle is NOT your own private vehicle.
- Your vehicle has MORE than 7 seats, including the driver's seat.
- Your vehicle has a MAXIMUM gross vehicle weight greater than 2,500kgs
- Your vehicle IS being (or will be) used for commercial purposes (e.g. as a taxi, minicab, limousine, as a driving school vehicle, or for commercial use by sales representatives).
- Your vehicle IS being (or will be) used for any dispatch or delivery services.
- Your vehicle IS being (or will be) used for any purpose in connection with the motor trade.
- Your vehicle IS being (or will be) used in any competitions, trials, performance tests, or off road events.
- You ARE NOT a permanent resident of the United Kingdom (England, Wales, Scotland, Northern Ireland). Please note Excess Protection is not available if you live in the Channel Islands or Isle of Man.
- You are NOT aged 17 or over.
- You and/or any named drivers on the Comprehensive Motor insurance policy DO NOT HAVE a current full and valid UK driving licence.
Key features of Excess Protection insurance
- Supplements the £750 excess contribution paid by your GAP insurance policy in the event of a write off.
- Covers you and all named drivers on your Comprehensive Motor insurance policy.
- Can be bought alongside or, separately to a GAP insurance policy.
- Once your policy has been used, a new policy can be purchased.
- Covers the motor insurance compulsory & voluntary excess.
- Underwritten by Fortegra Europe Insurance Company SE.
- Cover levels range from £300 to £1500.
- 14-day cooling off period.
- No vehicle mileage limits.
- UK claim team