Excess Insurance for your car

An excess insurance policy enables you to claim back the excess you may have to pay on your car, light goods vehicle/ van, driving school or taxi. Since, especially for young drivers, this excess may be very large, excess insurance is definitely a policy worth considering.

One additional benefit of an excess insurance is that you can consider increasing the voluntary excess on your own car insurance policy. If the discount for the voluntary excess is more than the excess insurance then you will save money - as well as having a reduced (or no) excess to pay in the event of an accident/ theft/ fire or malicious damage.

Our excess insurance is available for owners of any car - you do not have to have your car insurance with us.

Rates - inclusive of insurance premium tax (6%)

• £100.00 Benefit : £25.20

• £150.00 Benefit : £28.35

• £200.00 Benefit : £29.40

• £250.00 Benefit : £33.60

• £300.00 Benefit : £38.85

• £350.00 Benefit : £43.05

• £400.00 Benefit : £46.20

• £450.00 Benefit : £50.40

• £500.00 Benefit : £52.50

• £1,000   Benefit : £89.25

You may make up to TWO claims per year. Unlike some of these policies - this policy applies per vehicle, not per driver. The claim will only be considered if the vehicle is subject to an insurance claim that exceeds the excess on your policy so if, for instance, your policy has a £500.00 excess and a claim is for £450.00 damage then there will be no policy benefit.

You may, if you wish, purchase cover for LESS than the excess on your policy, but the claim you make on your insurance must still exceed the excess on your policy.

NB. This policy is NOT suited for covering vehicles on hire. It is intended to cover the vehicle you own and insure.

Purchase the Policy | Policy Summary/ Key Facts | Policy Wording

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