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Excess Protection Insurance

Available with most motor policies


The Policy

  • Excess Protection allows you to claim back your excess following a fault accident.
  • Excess can be claimed back following the settlement of a claim.
  • You can also add a Hire Car to your policy for a combined overall saving.
  • You can protect different levels of excess to suit your needs, as shown below:
Trust Pilot
Select Cover Price Hire Car Price Combined Price of Excess Protection
and Hire Car
£ 300 £ 35 £ 35 £ 60
£ 500 £ 60 £ 35 £ 90
£ 750 £ 85 £ 35 £ 110
£ 1000 £ 110 £ 35 £ 140

Policy Wording:

PDF Icon

Standard Vehicles (PDF ~ 178 KB) Opens in new window

PDF Icon

Goods Vehicles (PDF ~ 171 KB) Opens in new window




Car crash

Conditions & Exclusions:

  • Customers must hold a full licence and be over the age of 18 years old in order to claim on this policy.
  • Cover is excluded for any vehicle used in connection with the motor trade.
  • Cover is excluded in any competition, trial, performance test, race or trial of speed, including off-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event.
  • Excludes any claim notified to Crusader more than 31 days following the settlement of the claim.
  • Excludes any claim where the excess has been waived or reimbursed.
  • Claims that are refused by your motor insurer are excluded.
  • Also excludes any claim arising from glass repair or replacement.

Read our guide:
How Excess Works on Car Insurance


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