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What is Motor Excess Insurance?
Motor Excess Insurance is insurance that will sit beside your main car insurance. Excess insurance can make sure that you're reimbursed for the excess charges you need to pay if you were to make a claim on your car insurance, for claims as a result of fire, theft, vandalism, or an accident which was partially or entirely your fault.
What's an excess? An excess is the amount of money you are required to pay when you make a claim on your policy. Simply put, your excess is the amount of money that you agree to put forward towards a claim, with your insurer covering the remaining costs.
For example, if your car requires £600 of repair work after a theft claim and you have an insurance policy with a £200 excess, your car insurer would pay £400 and you would pay your £200 excess charge. With Motor Excess Protection, you would be reimbursed the £200 excess you had to pay, so essentially you would pay nothing towards the repairs.
What are the benefits of Excess Insurance?
When you make a claim on your motor insurance, you'll need to pay a set excess fee which is noted when you take out a policy. However, if you have excess insurance in place too, you'll be reimbursed up to your maximum excess cover amount after you've paid your excess fee on the claim.
It means you can protect your finances from costly excess charges that you'd otherwise not receive back, if you don't have excess insurance in place.
How much can I cover my excess for?
With our insure4excess Car Hire Excess Insurance policies, you can set the maximum amount that your excess protection policy will pay out — this is between £250 and £750.
If you need to claim on your car insurance, you’ll need to make two separate claims: one to pay for the repair or replacement of your car, and one to be reimbursed for the excess you paid.
What determines the cost of my excess?
Your excess is made up of two figures. The first part is the compulsory excess, which is a non-negotiable amount set by your insurance company, based on a variety of factors including your age and the type of car on your policy. The second part is the voluntary excess, which you can set yourself.
For example, if the compulsory excess on your policy is £100, and you set your voluntary excess at £100, you would pay the first £200 towards a claim.
Normally, the lower you set your excess, the more expensive your car insurance policy is likely to be.
To arrange Motor Excess Insurance, get a quote online
Why choose insure4excess at Swinton for your Motor Excess Insurance?
With Excess Insurance from insure4excess at Swinton, you’ll receive the following benefits:
- Excess insurance — Cover against excess costs of up to £750 per policy year if your car is damaged or stolen.
- Available for drivers aged 18 and over
- Additional drivers — Cover for up to seven additional drivers, as long as they’re 18 or over and named on your motor insurance policy.
- Fire, theft, and vandalism cover — Covers excess fees for claims resulting from damage by fire, theft, and malicious damage.
What types of Excess Insurance are available from insure4excess at Swinton?
Motor Excess Insurance
Motor Excess Insurance will reimburse the cost of your excess if you need to make a claim on your Car Insurance, up to your chosen level of cover. Without it, if you’re found to be at fault, you won't be able to receive any of your excess charge back.
If you get into an accident and suffer damage to a car that you own, with excess protection, you’ll be repaid your excess, up to £750 within the policy year.
Lifestyle Excess Insurance
Lifestyle Excess Insurance covers your excess on the following types of policies:
It’s available to permanent residents of the UK and the Isle of Man.
With insure4excess at Swinton, you can purchase Lifestyle Excess Insurance as a standalone in addition to your existing insurance policies.
Car Hire Excess Insurance
Whether you’re planning to drive in the UK or further afield, we have a range of cover options to suit your trip:
- UK Car Hire Excess Insurance – Excess cover for car rentals in the UK and Isle of Man. Excess cover for car rentals in the UK and Isle of Man, and for claims you make while driving a rental car in Europe, in countries like Germany, Spain and France. You'll also be covered in some non-mainland countries like Iceland. You can read more about the UK elements of the cover and the EU elements of the cover separately if you'd like more detail.
- Worldwide Car Hire Excess Insurance – Excess cover for rentals around the globe.
- Worldwide Car Hire Excess Insurance plus Collision Damage Waiver (CDW) and Supplemental Liability Insurance (SLI) – Excess cover for rentals around the globe, with additional CDW and SLI cover.
Van Hire Excess Insurance
We also offer excess protection on rental vans with our Van Hire Excess Insurance. You’ll be able to claim back excess costs up to a maximum of £6,500.
Our Van Hire Excess Insurance is only available for single trip policies and residents of the UK and Isle of Man.