What is Motor Excess Insurance


What is motor/car insurance excess?

An ‘excess’ is the measure of money you pay towards a claim that occurs. This includes a voluntary excess (the amount you choose to pay when taking out a car insurance policy) and the compulsory (mandatory) excess, as stipulated by the car insurance provider. The two excess amounts combined represent the maximum amount you would need to pay for repairs on your vehicle when claiming on your insurance. Many people choose to have a higher voluntary excess to reduce the premium on their car insurance. The good news is that this excess can be protected by an excess insurance policy.

What is Motor Excess Insurance?

Also known as excess waiver insurance, this policy covers the excess on your Motor Insurance Policy, meaning you will be reimbursed when a claim exceeds the excess on your main motor insurance. You can claim as many times as you like as long as you do not exceed your annual policy limit stated on your Certificate of Insurance. Although you have the flexibility to choose an annual limit when taking out a policy.

We offer a Personal Motor Excess Policy and a Commercial Vehicle Excess Policy. A Personal Motor Excess Policy covers your personal vehicle. Whereas, A Commercial Vehicle Excess Policy covers a vehicle used for commercial and business use.

How can I save money with this policy?

A motor excess insurance policy is a cost-effective way for people to remove the financial risk that they face with high excess values on motor insurance policies. By taking out an insurance policy that covers the excess amount, you can remove the financial risk of paying a high excess should an incident occur.

Motorists also use this type of insurance to reduce the amount they are paying on their annual motor insurance premium.  With the purchase of an excess insurance policy, customers can raise their excess amounts in the knowledge that they have counteracted the financial risk by taking out an inexpensive excess insurance policy.

Your excess will still be deducted from your main claim, however, after your main claim is settled, you will be able to make a claim for the reimbursement of your excess through our in-house claims company Orchard Administration.

What is covered under this policy?

We cover your vehicle up to your annual aggregate limit for accidental damage, fire, theft, or vandalism. This limit can be adjusted according to your needs when taking out an excess insurance policy. Where you were at fault, the claim will be settled when we receive the settlement letter from your Motor Insurer. For claims where you are deemed either partially at fault or not at fault if your excess is not recovered from the third party within 6 months from the date of incident we will reimburse any excess payment for which you have been made liable up to the Annual Aggregate Limit insured under the policy.

How to make a claim

It’s easy! Visit our claims website where you will be able to register your claim online. Our internet solution is the quickest and easiest way to submit your claim to us. If You do not have access to the internet, please call our in-house claim handlers at Orchard Administration on 0333 3230 095.

Cooling Off Period

We will refund your premium in full if, within 30 days, you decide that it does not meet your needs or that you do not want this policy, provided you have not reported a claim. You can cancel your policy within 30 days of the policy start date or, if later, within 30 days of the date you receive your Policy Document. We will refund any premiums you have paid as long as you have not made a claim and do not intend to make a claim. You can also cancel your policy at any other time, however no refund of the premium will be due to you.

General exclusions

  • Any claim that is refused under your Motor Insurance Policy.
  • Any claim arising from glass repair or replacement.
  • Any claim arising from breakdown or misfuelling.
Excess Protection Insurance

Cover includes:
  • Four levels of cover; £350, £750, £1,000 and £2,000
  • Claim back the excess on your Motor Policy
  • Quick and easy claim process with online submission and monitoring
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