Here are just some of the associated features and benefits:
" Simple, Hassle-Free Claims Procedure"
To make a claim on the policy, a simple claim form is completed online supported by proof of the excess payment.
" Business Use Included "
The cover is provided for social, domestic, pleasure, and commuting plus personal business use – so no client (or specialist requirement) is excluded.
" Hire & Reward Option "
Options are available for vehicles used for hire and reward purposes – so many different types of businesses can benefit from our cover.
" Choice of Aggregate Limits "
Clients have the freedom to choose the right level of protection thanks to different limits to choose from, starting at £250 and going all the way up to £2,000 cover.
" Cover for Vehicles Up To 3.5T "
A wide range of vehicle types are covered, including vehicles designed to carry up to 7 passengers and up to 3.5T in weight.
" Third Party Delay Cover "
If you are unsuccessful in recovering the cost of your excess from a third party following a valid claim after a period of six months, we will automatically reimburse your excess so you are not out of pocket should the other side fail to pay up.
Excess Protection Insurance with UK Sure
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You can make multiple claims up to the annual aggregate limit of your excess policy
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Cover benefit options available range between £350 – £2000
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We're committed to providing the services we say we will
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We're authorized and regulated by the Financial Conduct Authority, so if you ever have a complaint, you have a right to report it to the Financial Ombudsman.
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Peace of mind when you can’t recover costs from a third party. ( If you are unsuccessful in recovering the cost of your excess from a third party following a valid claim after a period of six months, we will automatically reimburse your excess so you are not out of pocket should the other side fail to pay up).
Why do you need Excess Insurance?
We all know that you need motor insurance to be able to use your vehicle on public roads. Equally, we all know that motor insurance costs are increasing. With this in mind, more people agree to pay an higher excesses.
An Excess Insurance policy can be an affordable way to ensure you maximise savings on your motor insurance while not leaving yourself open to large ( often unexpected ) excess payment!
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Types of Excess on your motor insurance
Your motor insurance company can ask you to pay for two types of excess on motor vehicles.
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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.
After all, you are committing to pay the first part of any claim. This lowers your motor insurance companies' risk, which can, in turn, mean a lower annual premium.
So, the temptation can be to have a high excess to reduce your annual motor insurance premium.
The downside is that higher excess charges mean you must pay more each time you claim your motor insurance policy.
The other important thing to consider is that if you purchase our motor excess cover to protect against these charges on an insurance claim, you have to pay your excess on the motor insurance claim to claim it back.
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What do we mean by that?
Let's say you raise the voluntary excess to £750 and have a compulsory excess of £250, giving you an overall excess of £1000 on your motor insurance policy. If you have a claim following a minor accident, and the repair cost is only £800, your motor insurer will not pay out. This is because you have not exceeded the excess amount of your motor insurance.
In this instance, you would have to pay the £800 repair cost with no contribution from your motor insurer. As you have not claimed on your motor insurance or paid any excess charges, you cannot claim on your motor excess insurance policy.
Which type of vehicles can you take Motor Excess Protection for?
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Private Cars
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Motorbikes
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Light Commercial Vehicles below 3500Kgs
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Minibuses
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Motorhomes
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Which types of vehicle use can be covered by Motor Excess Protection from UK Sure?
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Social, Domestic, and Pleasure
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Commuting
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Carriage of Own Goods
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Hire & Reward
- Taxi (Private & Public Hire)