Reclaim your excess
Get a refund for your claim excess whether you're at fault or not. If the accident wasn't your fault, we'll reimburse you if you haven't successfully recovered your excess from the at-fault party within 6 months of the incident.
Optional Extras
Excess Protect Cover.
Claim back your policy excess after a claim for fire, theft or an accident - regardless of fault.
Add Excess Protect Cover
What is an excess?
Your excess can include different amounts, depending on how your policy is set up. Here’s a simple breakdown of each type of excess.
What's an excess?
An excess is the payment you make towards the cost of a claim.
There are usually two types of excess:
- Compulsory excess – This is included in all policies
- Voluntary excess – You may also be able to choose a voluntary excess.
If you make a claim, the total excess is taken from your claims settlement pay-out.
Sometimes, you may need to pay this amount up front to repair your car.
Compulsory excess
A compulsory excess is a fixed amount set by your insurer.
You must pay this amount if you make a claim, and it can't be changed.
It's calculated using factors like
- Your age
- Type of claim
- How old your car is
- How long you've been driving
Voluntary excess
A voluntary excess is an optional amount you choose to add on top of the compulsory excess.
By choosing a higher voluntary excess, you can lower your insurance premium - because you agree to pay more upfront if you make a claim
Excess protection
With Excess Protect Cover, you can claim back your excess after a settled claim where no recovery can be made from a third party, within six months.
This includes claims for:
- Vandalism
- Fire
- Theft
- Accidental damage
You can use this cover even if you were at fault.
What's an excess?
An excess is the payment you make towards the cost of a claim.
There are usually two types of excess:
- Compulsory excess – This is included in all policies
- Voluntary excess – You may also be able to choose a voluntary excess.
If you make a claim, the total excess is taken from your claims settlement pay-out.
Sometimes, you may need to pay this amount up front to repair your car.
Compulsory excess
A compulsory excess is a fixed amount set by your insurer.
You must pay this amount if you make a claim, and it can't be changed.
It's calculated using factors like
- Your age
- Type of claim
- How old your car is
- How long you've been driving
Voluntary excess
A voluntary excess is an optional amount you choose to add on top of the compulsory excess.
By choosing a higher voluntary excess, you can lower your insurance premium - because you agree to pay more upfront if you make a claim
Excess protection
With Excess Protect Cover, you can claim back your excess after a settled claim where no recovery can be made from a third party, within six months.
This includes claims for:
- Vandalism
- Fire
- Theft
- Accidental damage
You can use this cover even if you were at fault.
Excess Protect Cover How it works.
With Excess Protect Cover, you can claim back you policy excess after a settled claim.
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Choose your level of cover
Protect your excess up to £300, £500, £750 or £1,000.
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Claim again and again
You can make multiple Excess Protect claims during the policy year, up to the total value of your chosen cover - just claim within 6 months of the incident.
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When you can add Excess Protect Cover
You can add Excess Protect Cover when you first take out or renew your policy.
How to make an Excess Protect claim
If you have Excess Protect and need to make a claim, contact our partner Coplus after your car insurance claim is settled.
You can log an excess claim with Coplus online or call 0333 241 9573 to make a claim.
Cover applies regardless of fault and is subject to policy terms and conditions.
Answers to important questions.
Explore All FAQsHow do I claim on Excess Protect?
If you have Excess Protect Cover included in your policy and would like to claim, please contact our Excess Protect partner, Coplus, following the settlement of your claim under your motor insurance policy:
By email: claims@coplus.co.uk
By phone: {MotivoNumber} Powered by 1st central
By post: Or you can write to us at:
Coplus Claims
Floor 2
Norfolk Tower
48-52 Surrey Street
Norwich
NR1 3PA
In order for us to help you more efficiently, please quote ‘Motor Excess Protect’ in all communications.
More information and what's covered under your policy, can be found in your policy wording, available within Your Account or your confirmation of insurance email.
Who is my Excess Protect Cover with?
Excess Protect is underwritten by Astrenska Insurance Limited, whose registered office is at Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU.
Astrenska Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial services register number 202846.
Your policy is arranged, and claims administered by Motorplus Limited t/a Coplus who act as an insurance intermediary on behalf of the insurer. Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837. Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich, NR1 3PA. Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire, PR7 7NA. Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657)
What isn't included in Excess Protect?
You won’t be able to use Excess Protect Cover to claim back your excess where: