Excess Protection Insurance

Excess protection insurance is an additional insurance product that you can purchase alongside your main car insurance. An excess protection policy will enable you to reclaim the costs of an insurance claim, up to the value of the agreed upon excess limit. The claims that you can typically recoup the costs on include a claim for accidental or malicious damage, theft and fire, however it is important to note that every policy is different. The cost of an excess protection insurance policy is typically calculated according to the level of the voluntary excess that you select.

Excess protection insurance is not a legal requirement, unlike conventional car insurance. However, excess protection insurance is popular as it means you do not have to worry about being lumped with a hefty bill should your car get damaged.

There are a few notable common exceptions from what is covered under most excess protection insurance policies. These include but are not limited to:

Situations where the total cost of the claim is lower than the full excess payable on the policy
Claims relating to items such as sat navs or personal belongings, as well as the glass such as your sunroof or windscreen.

Excess protection insurance can not be retrospectively bought to cover accidents that have already happened.