Excess protection cover

It depends how large your excess is, and how often you might need to claim. But the cost of excess protect cover will usually be significantly less than if you had to pay your excess for a claim, and certainly much less if you have multiple claims in a year. If you have a large excess, or multiple vehicles, it could be more worthwhile. It all comes down to how much protection you’d like against finding yourself out of pocket due to a claim.

Yes, we offer multi vehicle excess protection. This provides cover for up to 10 vehicles, with a £3,000 maximum claim limit per year. This is an aggregate limit, meaning it’s a limit on the accumulated cost of claims in the policy term rather than any one claim.

If you have more then 10 vehicles on your multi car policy, you can take out a second multi car excess protection policy to cover the additional vehicles. Just talk to us about what would work best for you and we can help with this.

To claim successfully on your excess protection policy, your motor insurance claim needs to be accepted by your insurer. The cost of your claim must be equal to or higher than your policy excess.

If your claim exceeds the £1,000 per-claim limit, or the £3,000 aggregate limit for the 12-month policy term, you may not receive a payment, or you may receive only a partial payment. There are some kinds of claims that would not be insured, such as if you’ve misfuelled the vehicle, or you’re making a windscreen (glass) claim.