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.
£350 Excess Cover
Ideal for drivers looking for affordable protection against smaller excess payments after accidents.
✔ Up to £350 Excess Cover
✔ Covers cars, vans and motorbikes
✔ Reimbursement following a successful eligible motor insurance claim
✔ Covers accidental damage, fire, theft and vandalism claims*
✔ One annual premium
£38.64
£500 Excess Cover
Provides a higher level of reimbursement for motorists with a larger excess on their motor insurance policy.
✔ Up to £500 Excess Cover
✔ Covers cars, vans and motorbikes
✔ Reimbursement following a successful eligible motor insurance claim
✔ Covers accidental damage, fire, theft and vandalism claims*
✔ One annual premium
£42.56
£1,000 Excess Cover
Designed for drivers with higher excess amounts who want greater financial protection following an eligible claim.
✔ Up to £1,000 Excess Cover
✔ Covers cars, vans and motorbikes
✔ Reimbursement following a successful eligible motor insurance claim
✔ Covers accidental damage, fire, theft and vandalism claims*
✔ One annual premium
£62.75
Motor Excess Insurance Explained
When you make a claim on your motor insurance policy, you may be required to pay an amount towards the claim cost. This amount is known as your motor insurance excess.
Your excess can include:
Compulsory excess – an amount set by your motor insurer that you must pay if you make a claim.
Voluntary excess – an additional amount you choose to pay, usually when setting up your motor insurance policy.
For example:
Your vehicle claim: £2,000
Your motor insurance excess: £400
Without Motor Excess Insurance:
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You pay £400 towards the claim.
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Your motor insurer covers the remaining eligible claim amount.
With Motor Excess Insurance:
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You make a successful claim under your motor insurance policy.
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You pay your required excess.
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This policy may reimburse your eligible excess amount when it cannot be recovered from another party, subject to the policy terms, conditions and Annual Aggregate Limit.
Motor Excess Insurance helps reduce the unexpected cost of paying your motor insurance excess following eligible claims involving accidental damage, fire, theft or vandalism.
Available for cars, vans and motorbikes, this cover provides additional financial protection alongside your existing motor insurance policy.
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 Protect Your Motor Insurance Excess?
Choose your preferred level of Motor Excess Insurance and get cover designed to help reduce unexpected costs following an eligible motor insurance claim.
Who Is This Product For?
Motor Excess Insurance is designed for drivers who want financial protection against unexpected excess payments following an eligible motor insurance claim.
This cover may be suitable if you:
✔ Drive a car, van or motorbike and want protection against your motor insurance excess.
✔ Have a motor insurance policy where paying the excess could create an unexpected expense.
✔ Want to reduce the financial impact of claims involving accidental damage, fire, theft or vandalism.
✔ Prefer to choose the level of protection that matches the excess amount on your motor insurance policy.
✔ Want additional protection alongside your existing motor insurance policy.
Motor Excess Insurance 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.
