What is Motor Excess Insurance


What is an excess?

An ‘excess’ is the measure of money you pay towards a claim that occurs, you will have to pay this even if you are not to blame for an incident, however this can be recoverable if the third party was at fault. The excess fee that you have to pay out will apply to vehicle repairs taking place after an incident has occurred.

What is Motor Excess Insurance?

We offer a Personal Motor Policy and a Commercial Vehicle Policy. A Personal Motor Policy covers your personal vehicle. Whereas, A Commercial Vehicle Policy covers a vehicle used for commercial and business use. These policies cover the policy excess on your Motor Insurance Policy, meaning we will reimburse you when you have a claim which 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.

What is covered under this policy?

We cover your vehicle up to your annual aggregate limit for accidental damage, fire, theft, or vandalism. 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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