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 amount you contribute towards the cost of a claim before your insurance pays the rest.
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 amount you contribute towards the cost of a claim before your insurance pays the rest.
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.
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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 Cover and need to make a claim, contact our partner Coplus after your car insurance claim has been settled.
Answers to important questions.
Explore All FAQsWhat sort of courtesy car will I get?
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Who are your approved car repairers?
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If I don't make a car claim do I have to pay the excess?
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How much No Claims Discount will I lose if I claim?
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If my vehicle is stolen after the loss/theft of my keys, would I be eligible to make a claim?
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