Excess Protection insurance
Excess Protection can reimburse the compulsory and voluntary excess you have to pay after your comprehensive motor insurer settles a claim for accidental damage, fire, theft or vandalism, up to your chosen claim limit.
Cover available for 12 months at a time, with cover levels of £300, £500, £750, £1000 and £1500 to choose from.
Get a quote
How does Excess Protection insurance work?
A claim on your comprehensive motor insurance policy can leave you responsible for paying its compulsory and voluntary excess.
Excess Protection can reimburse that amount after your motor insurer has successfully settled a claim for accidental damage, fire, theft or vandalism, up to your chosen claim limit.
Glass claims, breakdown and misfuelling are not covered. Other exclusions and conditions apply; please read the policy documents.
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 or as a driving school vehicle).
- 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 or as a driving school vehicle).
- 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
- Complements GAP insurance by covering your motor insurance excess following accidental damage, fire, theft or vandalism claims, not just a total loss.
- Covers you and all named drivers on your Comprehensive Motor insurance policy.
- Can be bought alongside or separately from a GAP insurance policy.
- Cover continues for one year or until your total claim limit has been fully used, whichever happens first. You can then apply for new cover.
- Can reimburse the compulsory and voluntary excess you have to pay after your motor insurer settles a covered claim, up to your chosen claim limit.
- Underwritten by Fortegra Insurance UK Limited.
- Cover levels range from £300 to £1,500.
- 14-day cooling off period.
- No vehicle mileage limits.
- UK-based claims team.