Excess Protection Insurance for Courier Drivers
Protect yourself against unexpected excess payments following an eligible motor insurance claim. Excess Protection for Couriers helps reimburse your motor insurance excess when it cannot be recovered from another party, subject to the policy terms and conditions.
Choose from two levels of cover designed for eligible courier vehicles:
Available Excess Protection Options
Choosing the right level of Excess Protection depends on the amount of excess you could be required to pay under your motor insurance policy.
Both cover options provide reimbursement of your motor insurance excess following a successful eligible claim, up to the Annual Aggregate Limit shown on your Certificate of Insurance.
£500 Excess Cover
Designed for courier drivers needing protection against excess payments up to £500 following an eligible claim.
✔ Up to £500 Excess Cover
✔ Designed for courier use
✔ Covers eligible cars, vans and motorcycles
✔ Reimbursement following a successful eligible motor insurance claim
✔ Covers claims involving accidental damage, fire, theft and vandalism*
✔ Annual cover with a single premium
£50.40
£1,000 Excess Cover
Designed for courier drivers who require a higher level of excess protection following an eligible motor insurance claim.
✔ Up to £1,000 Excess Cover
✔ Designed for courier use
✔ Covers eligible cars, vans and motorcycles
✔ Reimbursement following a successful eligible motor insurance claim
✔ Covers claims involving accidental damage, fire, theft and vandalism*
✔ Annual cover with a single premium
£70.56
Excess Protection for Couriers Explained
When you make a claim on your motor insurance policy, you may be required to pay an excess towards the cost of the claim.
This amount is known as your motor insurance excess.
For courier drivers, an unexpected excess payment following an accident or vehicle damage claim can create an additional cost on top of the disruption caused by the incident.
Excess Protection for Couriers is designed to help reimburse your eligible motor insurance excess after a successful claim, when the amount cannot be recovered from another party.
Cover applies following eligible claims involving:
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Accidental damage;
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Fire;
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Theft;
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Vandalism.
The policy covers the vehicle shown on your Certificate of Insurance and is available for eligible cars, vans and motorcycles used for courier services, subject to the policy terms, conditions and Annual Aggregate Limit.
Key Benefits of Excess Protection for Couriers
Unexpected excess payments can add extra costs when making a claim on your motor insurance policy. Excess Protection for Couriers helps provide financial protection by reimbursing your eligible motor insurance excess following a successful claim, when the amount cannot be recovered from another party.
Depending on the level of cover selected, benefits include:
✔ Choose between £500 or £1,000 excess cover options
✔ Reimbursement of your motor insurance excess following an eligible claim
✔ Designed for courier drivers and commercial use
✔ Covers eligible cars, vans and motorcycles
✔ Cover for accidental damage, fire, theft and vandalism claims*
✔ Annual cover with a single premium payment
✔ UK cover throughout the policy period
✔ Helps reduce unexpected out-of-pocket costs following a claim
*Benefits are subject to the policy terms, conditions and Annual Aggregate Limit shown on your Certificate of Insurance.
What's Covered
Excess Protection for Couriers helps reimburse the excess you are required to pay under your motor insurance policy following a successful eligible claim.
The policy applies when:
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You make a valid claim under your motor insurance policy;
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Your claim is successfully settled;
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You are required to pay your motor insurance excess;
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The excess cannot be recovered from another party.
Reimbursement is provided up to the Annual Aggregate Limit shown on your Certificate of Insurance.
Excess Reimbursement
If your motor insurer settles an eligible claim and you are required to pay your excess, this policy can reimburse that amount when it cannot be recovered from another party.
For at-fault claims, reimbursement is provided once your motor insurer settlement letter has been received.
For partially or non-fault claims, reimbursement may apply if your excess has not been recovered from the third party within six months of the incident.
Theft & Vandalism
If your vehicle is stolen, damaged during an attempted theft or affected by vandalism, Excess Protection for Couriers can reimburse your eligible excess following a successful motor insurance claim.
Cover is subject to the policy terms, conditions and Annual Aggregate Limit shown on your Certificate of Insurance.
Accidental Damage Claims
Cover applies when your motor insurance claim results from accidental damage to your insured vehicle and your excess becomes payable following settlement of the claim.
Cover for Courier Vehicles
Excess Protection for Couriers is designed for eligible vehicles used for courier services, helping protect drivers against unexpected excess payments following an eligible motor insurance claim.
The insured vehicle must be listed on your Certificate of Insurance and meet the policy eligibility requirements.
Fire Damage
If your vehicle is damaged by fire and your motor insurer settles the claim, Excess Protection for Couriers can reimburse the eligible excess you are required to pay.
Cover is subject to the policy terms, conditions and Annual Aggregate Limit shown on your Certificate of Insurance.
Annual Aggregate Limit
The maximum amount payable under this policy is the Annual Aggregate Limit shown on your Certificate of Insurance.
Once the Annual Aggregate Limit has been reached, no further claims can be made under the policy during the Period of Insurance.
Ready to Protect Your Courier Vehicle Excess?
Choose your preferred level of Excess Protection and get cover designed to help reduce unexpected costs following an eligible motor insurance claim.
Who Is This Cover For?
Excess Protection for Couriers is designed for courier drivers who want additional financial protection against unexpected excess payments following an eligible motor insurance claim.
This cover may be suitable if you:
✔ Use an eligible vehicle for courier services and want protection against your motor insurance excess.
✔ Want to reduce the financial impact of paying an excess after a successful motor insurance claim.
✔ Have a motor insurance policy where an unexpected excess payment could create an additional expense.
✔ Want to choose between £500 or £1,000 excess cover options based on your needs.
✔ Want additional protection alongside your existing motor insurance policy.
Excess Protection for Couriers is available for eligible vehicles shown on your Certificate of Insurance, subject to the policy terms, conditions and eligibility requirements.
Our Commitment to You
At CoverMyMotor, we are dedicated to providing our clients with the most comprehensive insurance solutions. We understand the complexities of motor insurance and strive to simplify the process for you. Our team is experienced and knowledgeable, ready to guide you through your insurance journey. We believe in transparency and will always keep you informed about your coverage options and benefits. Our goal is to ensure that you feel secure and protected while driving.
