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Excess Protection



Type of insurance and cover provided

Typical Excess Protect Insurance provides cover as detailed below:



Policy Section
This policy will cover
Significant Exclusions - The insurer will not be liable for:
Excess Protection
Where you are involved in an accident and your vehicle is:
  • determined to be a total loss by your motor insurers who deduct your motor insurance policy excess from their settlement; or,
  • repairable and you are required to pay a policy excess;

we will pay to you the lesser of the value of your excess or the sum of £300.00.

The cover provided under this policy will automatically end immediately upon the payment of a claim.
  • Any claim notified more than 30 days after the date of the insured event;
  • Any excess payable on warranty policies;
  • Any excess payable in respect of any malicious damage, windscreen or glass damage claims;
  • Any excess payable in respect of theft or attempted theft of personal effects;
  • Any excess payable under any other section of your motor insurance;
  • Any claim arising from the use of your motor vehicle on any racetrack, circuit or other prepared course;
  • Any insured event which occurs whilst your vehicle is being driven by someone who is under 19 years of age.
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