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Motor Excess Insurance

Motorcycle Excess Insurance

Choose the appropriate level of cover to protect both the compulsory and voluntary excess on your motorcycle insurance policy. Policy cover limits start from £350 and go up to £1,000 which means you can select the limit that is most appropriate for you.


  • You must hold a current full and valid UK driving licence, or a hold a full internationally recognised licence
  • You must be a permanent resident of the United Kingdom, the Channel Islands or the Isle of Man

Select your Policy Limit

This is the maximum that can be claimed in any single policy year.

Excess Limit:  £350 £33.60 select
Excess Limit:  £750 £44.81 select
Excess Limit:  £1,000 £53.21 select

How Motorcycle Excess Insurance Works

Also known as excess waiver insurance, this policy will protect the excess on your main motorcycle insurance for up to a whole year.

In the unfortunate event that you need to claim on your main policy, your excess will still be deducted, but this can be claimed back via our in-house claims company once your main claim is settled.

You can claim for reimbursement as many times as you need, provided the value of each claim on your main motorcycle insurance policy exceeded your excess and you are within the annual policy claim limit, as selected above (£350, £750, £1000).

The Benefit of Motorcycle Excess Insurance

The cost of motorcycle insurance premiums tend to be very high, often with a large compulsory excess. Coupled with a voluntary excess, the potential total excess cost to you in the event of a claim could be very high! A motorcycle excess insurance policy removes this financial risk should an incident occur.

The expensive insurance premium for motorcycle insurance can also often be reduced when the voluntary excess is increased. This financial risk can be offset with an inexpensive excess insurance policy to protect your excess in the event of a claim.

Just make sure you will have the funds available to pay the excess when claiming on your main policy before then claiming for reimbursement.