Home > Bolt-Ons > Motor Excess Protection
Motor Excess Protection
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 higher excesses.
An Excess Insurance policy can be an affordable way to ensure you maximize savings on your motor insurance while not leaving yourself open to large ( often unexpected ) excess payments!
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 with UK Sure
You can make multiple claims up to the annual aggregate limit of your excess policy
Cover benefit options available range between £350 – £2000
We're committed to providing the services we say we will
We're authorised 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.
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).
Meet the team
Motor excess cover
Your motor insurance company can ask you to pay for two types of excess on motor vehicles.
-
Compulsory excess is an amount your insurance insists you pay for any repair/write-off or claim.
-
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.
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?
-
Private Cars
-
Commercial vehicles under 3.5t
Which types of vehicle use can be covered by Motor Excess Protection from UK Sure?
-
Social, Domestic, and Pleasure
-
Commuting
-
Carriage of Own Goods
-
Private & Public Hire
-
Courier drivers
Meet the team
Frequently Asked Questions
Question: What is motor excess protection insurance?
Motor Excess Insurance covers both the voluntary and compulsory excess charged by your comprehensive motor insurer if you make a claim.
Question: Is car insurance excess protection worth it?
So do I need excess protection? It's not a legal requirement to add excess protection to your car insurance. But by adding it, you don't have to worry about being landed with a hefty bill if your car gets damaged by an unidentified driver.
Question: What is motor protection in insurance?
The engine protect add-on cover provides coverage for expenses incurred due to engine damage. It compensates for the costs of engine repair, replacement of damaged parts, lubricants, or oil top-ups. It also covers any expenses incurred while towing the car to the garage or transportation costs due to an accident.
Question: What is excess coverage insurance?
Excess insurance covers a claim after the primary insurance limit has been exhausted or used up. Reinsurance is a way of an insurer passing policies to another insurance company to reduce the risk of claims being paid out.
Question: What is the purpose of motor protection?
Motor protection is used to prevent damage to the electrical motor, such as internal faults in the motor. Also external conditions when connecting to the power grid or during use have to be detected and abnormal conditions must be prevented.
Question: Is it better to have excess or no excess?
With a higher voluntary excess, you'll probably get a lower price for your car insurance. But if you need to make a claim, you'll have to pay more towards the cost. So it depends how likely you think it is that you'll have to claim on your insurance.
Question: Who pays the insurance excess?
Insurance excess is the amount you have to pay towards the total cost of an insurance claim. It's usually a pre-agreed amount. Your insurer will then contribute the rest – up to the limit of the cover. You'll see insurance excess on insurance products like travel, motor, home, and health.
Do you have a question about motor excess protection?
Submit your question here
Related Products
Protect your wallet from costly claims with motor excess insurance.
Comprehensive motor breakdown insurance—get roadside assistance anytime, anywhere, and keep your journey stress-free.
Stay on the road with reliable taxi breakdown cover – fast response, expert help, nationwide support.
UK Sure Customer Services
How our customers rate us
Muito bom, fiquei satisfeito!
Carlos Wilker
2024-11-20
Ricardo Ribeiro
2024-11-11
very happy with the services provided, they help with everything we need and are always available to help us and clarify any doubts, super grateful for the help and work they do to help us get everything done, I love it and I recommend it
Carlos Farinha
2024-10-30
I highly recomend this insurance dealer. I was completely impressed with their professionalism and customer service. 100%...Exceeding my expectation...