What does Excess Protect cover?
It covers the cost of your motor insurance excess if you make a valid claim for accidental damage, fire, theft, flood, or vandalism and your claim is settled under your main motor insurance policy.
Does Excess Protect Cover more than one claim per year?
Yes, you can claim more than once, but the total amount paid in any policy year is limited to the annual indemnity limit shown in your policy schedule.
Do I need to provide proof of the excess I have paid?
Yes, you must show evidence that you have paid the excess for each valid claim on your main motor insurance policy.
Are there any types of claims not covered?
Your policy won’t pay out if:
- The amount you’re claiming is less than the excess
- Your main insurer rejects your claim
- The claim relates to glass repairs or replacement
- The claim is for theft or attempted theft of your personal belongings
- Another party has already agreed to pay your excess
Do I need to report theft, malicious damage, or vandalism to the police?
Yes, for these types of claims to be covered, you must report the incident to the police and obtain a valid crime reference number.
Does Excess Protect cover damage from glass (windscreen/windows)?
No, any excess from glass repair or replacement claims isn't covered by this policy.