Car Excess Insurance
Car insurance excess cover from £35 per year from insurance4carhire, to cover excess on your motor policy
Car Excess Insurance
Car insurance excess cover from £35 per year from insurance4carhire, to cover excess on your motor policy
About Car Excess Insurance
Three levels available
Three levels of motor excess cover for residents of the UK and the Isle of Man
Named drivers cover
Motor excess cover for all named drivers over the age of 18
Unlimited number of claims
Claim an unlimited number of times (up to the maximum Motor Excess Reimbursement policy limit)
Pay for your car excess insurance by Direct Debit
You can split your payments into instalments
Features of Car Excess Insurance
Standard cover
Car excess cover for private vehicles
This car excess policy is suitable for any private motor vehicle with up to 9 seats, which is already insured for social, domestic and pleasure or class one business use (if you're using your car as part of your job).
Multiple claims on car excess insurance
We can only reimburse you up to the maximum reimbursement limit shown in your insurance certificate, but you are welcome to claim more than once during the period of cover if it falls within that limit.
UK car excess cover
To qualify for this car excess insurance product, you must be a permanent resident in the UK or the Isle of Man and covers incidents that occur anywhere in these territories.
Buy now, start your policy later
You can take out a policy up to 364 days before you want your policy to start. Your policy will run for a 12-month period from your selected start date. This means that even if you purchase your policy months in advance, it’ll only start when it suits you.
Car Excess Insurance FAQs
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What is an excess?
What is an excess?
An excess is the amount you have to pay in the event of a claim on your insurance policy. Generally, the larger the excess the lower your insurance premium. An excess can also be known as a 'deductible'.
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What is excess insurance?
What is excess insurance?
Excess insurance protects the excess amount you are responsible for in the event of a claim.
For example: if you buy your motor insurance policy with an excess of £500, and you have an accident that causes £2,000 worth of damage to your car; the insurer would settle your claim at £1,500. So that’s £2,000 less your £500 excess.
By taking out a car excess reimbursement insurance policy, you can protect yourself against some or all of the excess charges from your motor policies, depending on the level of excess reimbursement cover you select.
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How does an Insure4Excess policy work?
How does an Insure4Excess policy work?
Insure4Excess reimbursement policies can protect the excess you are responsible for in the event of a claim. In the event of a claim you will need to pay the excess to your insurance company first and then claim this back on your Insure4Excess policy.
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What level of excess cover should I choose?
What level of excess cover should I choose?
You should check the amount of excess you are liable for on your insurance policies and choose your level of cover accordingly.
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Where am I covered with my car excess insurance policy?
Where am I covered with my car excess insurance policy?
The policy holder and all insured drivers named on the Motor insurance policy must be a permanent resident in the United Kingdom or the Isle of Man. You are only covered when you use your motor vehicle in the United Kingdom, including the Isle of Man.
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When and how can I pay for my car excess insurance policy?
When and how can I pay for my car excess insurance policy?
Paying for your car excess insurance policy is simple - you must pay your premium when you take out the Motor Excess Reimbursement policy either online or over the telephone. Payment must be made in full and can be made by either debit or credit card
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How can I cancel my car excess insurance policy?
How can I cancel my car excess insurance policy?
You have a 14 day cancellation period to cancel your car excess insurance policy, provided that no claims have been made. You can either email our customer service team at info@insure4excess.com or call them on 01242 538 413.
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How can I make a claim on my car excess insurance policy?
How can I make a claim on my car excess insurance policy?
You should notify our claims team once you have received the final settlement of your insurance claim. The claims team will issue you with a claims form and they will advise you of all the necessary documents you will need to support your claim. More information can be found by visiting our claims page, where you can also download a claims form.
How do I make a claim?
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
1.
Find your insurance documents
and make sure you have all your information at hand, including your policy number
2.
Call the claims team
on 0344 892 1770 and explain exactly what happened
3.
Provide photos if requested
to help us understand what happened as quickly as we can
