Excess protection

If you have excess protection, you won't have to pay your excess if you make a claim on your car insurance, so long as the amount of your claim is more than the excess.

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  If you claim for accidental damage to your insured car that is your fault

  fire, flood, theft, vandalism and any disputed claim that cannot be settled within 6 months of the incident.

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  When you purchase excess protection you have the option of three tiers (£350, £500 or £1,000)

  We will cover your excess up to the amount you selected.

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  You are covered for two claims

  within the period of insurance.

For the full list of what is and isn’t covered, please check the excess protection policy wording and insurance product information document – you can find both in your customer account if you have excess protection as part of your cover. In some cases, your excess would not be covered. For example:

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  Any claims where:

  the total cost of the claim, is less than the excess.

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  Any amount that exceeds

  the excess amount you chose to protect when you bought your policy.

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  Any claim where the excess has:

  already been recovered, reimbursed or waived by a third party.

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  Claims resulting from:

  windscreen or glass damage.

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  Claims declined

  under the terms of your car insurance.