Car insurance excess cover from £35 per year from insurance4carhire, to cover excess on your motor policy
Three levels of motor excess cover for residents of the UK and the Isle of Man
Motor excess cover for all named drivers over the age of 18
Claim an unlimited number of times (up to the maximum Motor Excess Reimbursement policy limit)
You can split your payments into instalments
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).
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.
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.
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.
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'.
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.
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.
You should check the amount of excess you are liable for on your insurance policies and choose your level of cover accordingly.
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.
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
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.
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.
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
and make sure you have all your information at hand, including your policy number
on 0344 892 1770 and explain exactly what happened
to help us understand what happened as quickly as we can
Why do you need car hire excess insurance, and what are the most common features and exclusions? Read our car hire excess insurance guide to find out.
Read MoreAugust 20, 2021
Our straight forward guide explains the different classes of vehicles and the different classes of cars in the car classification.
Read MoreAugust 20, 2021
Car insurance to protect what could be the second most expensive purchase you will ever make is really important. But how do you avoid 'ghost broking'?
Read MoreAugust 20, 2021
Ever considered investing in a classic car? Our article explains the things to look out for when investing in a classic car.
Read MoreAugust 20, 2021
If your car is refusing to start you may have a flat battery. Read our guide to find out the causes of a flat battery and how to solve the problem.
Read MoreAugust 20, 2021
Driving on the motorway can be daunting for any newly qualified, young driver. We've put together ten top tips for new drivers driving on the motorway.
Read MoreAugust 20, 2021
Investing in a classic car is a good idea so what should you look for in a good classic car? Have a read through this article from Towergate Insurance.
Read MoreAugust 20, 2021
Fancy a classic car that will bring you a huge return on investment? Take a look at our predictions for future classic cars to invest in now.
Read MoreAugust 20, 2021