Motor Excess Insurance You Can Rely On for Cars, Vans & Motorbikes
If you need to pay an excess following a successful motor insurance claim, Motor Excess Insurance can reimburse that cost when it cannot be recovered from another party. Choose from three levels of cover designed for cars, vans and motorbikes.
Compare Your Motor Excess Insurance 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. All three 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.
Compare the available cover levels below before choosing the option that best suits your needs.
Motor Excess Insurance Explained
Motor Excess Insurance helps reimburse the excess you pay following a successful claim under your motor insurance policy, provided the excess cannot be recovered from another party.
Whether your claim relates to accidental damage, fire, theft or vandalism, this cover helps reduce the financial impact of paying your motor insurance excess. Reimbursement is available up to the Annual Aggregate Limit shown on your Certificate of Insurance, subject to the policy terms and conditions.
Available for cars, vans and motorbikes, Motor Excess Insurance offers an affordable way to protect yourself against unexpected out-of-pocket costs following an eligible claim.
Key Benefits of Motor Excess Insurance
Paying your motor insurance excess after an accident can be an unexpected expense. Motor Excess Insurance helps protect you against those costs by reimbursing your excess following a successful eligible motor insurance claim.
Depending on the level of cover you choose, benefits include:
✔ Choose from £350, £500 or £1,000 cover levels
✔ Reimbursement of your motor insurance excess following an eligible claim
✔ Covers cars, vans and motorbikes
✔ Cover for accidental damage, fire, theft and vandalism claims*
✔ Annual cover with a single premium
✔ Protection available throughout the UK
✔ Helps reduce unexpected out-of-pocket costs after a claim
*Benefits are subject to the terms, conditions and Annual Aggregate Limit shown on your Certificate of Insurance.
What's Covered
Motor Excess Insurance helps reimburse the excess you pay under your motor insurance policy after a successful eligible claim, provided the excess cannot be recovered from another party.
Cover applies following eligible claims for accidental damage, fire, theft and vandalism, up to the Annual Aggregate Limit shown on your Certificate of Insurance.
*The sections below summarise the main features of the policy. Full eligibility criteria, terms and conditions are contained within the Policy Wording.
Motor Insurance Excess Reimbursement
If you make a successful claim under your motor insurance policy and are required to pay your policy excess, this insurance can reimburse that amount when it cannot be recovered from another party.
Reimbursement is available up to the Annual Aggregate Limit shown on your Certificate of Insurance.
Theft & Vandalism
If your vehicle is stolen, damaged during an attempted theft, or affected by vandalism, this policy can help reimburse the eligible excess following an approved motor insurance claim.
Accidental Damage
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.
Where applicable, reimbursement is provided subject to the policy terms and Annual Aggregate Limit.
Cover for Cars, Vans & Motorbikes
Motor Excess Insurance is available for eligible cars, vans and motorbikes shown on your Certificate of Insurance, helping protect a wide range of private motorists against unexpected excess payments.
Vehicle eligibility and policy limits apply.
Fire Damage
If your vehicle is damaged by fire and your motor insurer settles the claim, this policy can reimburse the excess you are required to pay, subject to the policy conditions and cover limit.
Annual Aggregate Limit
The maximum amount payable under the policy is the Annual Aggregate Limit shown on your Certificate of Insurance.
Once this limit has been reached, no further claims can be made under the policy during the Period of Insurance.
Ready to Get Covered?
Protect your courier van with Breakdown Cover designed to keep you moving when the unexpected happens. Designed for courier vans aged 0–15 years, Nationwide & Home Cover includes Roadside Assistance, Nationwide Recovery and Home Assist, helping minimise disruption to your deliveries.
Who Is This Cover For?
Courier Breakdown Cover is designed for drivers who rely on their van for courier work and want access to roadside assistance and vehicle recovery if an insured breakdown leaves them unable to continue their journey.
This cover may be suitable if you:
✔ Drive a courier van for business purposes.
✔ Use your van to make local or nationwide deliveries.
✔ Want Nationwide Recovery if your van cannot be repaired on the same day.
✔ Would like Home Assist for breakdowns at or within one mile of your home.
✔ Want support with alternative travel and overnight accommodation following an eligible breakdown.
✔ Need Breakdown Cover for a courier van aged 0–15 years.
Important: Your vehicle must be recorded as a courier vehicle on the Policy Schedule to be eligible for this Breakdown Cover.
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.
Frequently Asked Questions
Motor Excess Protection
Your motor insurance company can ask you to pay two types of excess on your motor vehicle.
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Compulsory excess is an amount your insurance insists you pay for any repair/write-off or claim.
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Voluntary excess is the amount you choose and is on top of any compulsory amount your insurance company has insisted upon.
Increasing voluntary excess can significantly affect your motor insurance premium cost. Even a tiny increase to provide a higher voluntary excess amount can save hundreds of pounds depending on driving history; age claims history, etc.
CoverMyMotor Cover includes:
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Cover options range between £300 to £2,000
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You can make multiple claims up to the annual aggregate limit of your excess policy
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Cover available for motorbikes, private cars, commercial vehicles up to 3.5 tonnes, taxis, couriers and driving instructors
What "Excess" means in motor insurance
When you claim on your motor insurance, you usually must pay a portion of the repair or replacement cost yourself, called the excess.
There are typically two types:
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Compulsory excess – set by the insurer
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Voluntary excess – an amount you choose to increase to reduce your premium
Example:
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Repair cost after an accident: £2,000
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Your total excess: £400
Without excess protection:
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You pay £400, insurer pays £1,600
With a motor excess protection insurance in place with CoverMyMotor you get back the £400 excess you had to pay on your motor insurance claim.
Example with protection:
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Accident happens
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Your main insurer asks you to pay £400 excess
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You pay it
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The excess protection policy reimburses the £400
So you effectively don’t lose that money.
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.