01484 490095

Find us on Facebook Follow us on Twitter
  1. Home
  2. Excess Protection insurance

Excess Protection insurance

Excess Protection insurance covers both the voluntary and compulsory excess charged by your comprehensive motor insurer if you make a claim.

Get a quote
Blue piggy bank with car key on blue car.
Save money on the cost of insuring your car by:
1. Increasing the excess payable under your comprehensive motor insurance policy.
2. Purchasing Excess Protection insurance to cover the increased excess.
Get a quote today.

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 Annual Aggregate Limit that will be paid during the period of cover.

Available cover level options are:

  • £300
  • £500
  • £750
  • £1000
  • £1500

Once the Annual Aggregate 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

Get a quote

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 capable of carrying more than seven (7) passengers.
  • 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 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 in any competition, trial, performance test, race or trial of speed, or off-road including green-laning.
  • Your vehicle is NOT being used for any purpose in connection with the motor trade.
  • You and all named drivers on the Comprehensive Motor insurance policy HAVE a current full and valid UK driving licence.
  • You ARE a permanent resident of the United Kingdom (England, Wales, Scotland, Northern Ireland - excluding the Channel Islands and the Isle of Man)

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 capable of carrying more than seven (7) passengers.
  • 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 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 in any competition, trial, performance test, race or trial of speed, or off-road including green-laning.
  • Your vehicle IS being (or will be) used for any purpose in connection with the motor trade.
  • You and/or any named drivers on the Comprehensive Motor insurance policy DO NOT HAVE a current full and valid UK driving licence.
  • 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.

Get a quote

Key features of Excess Protection insurance

  • Supplements the £250 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 Ageas Insurance Limited
  • Cover levels range from £300 to £1500.
  • 14-day cooling off period.
  • No vehicle mileage limits.
  • UK claim team

Get a quote