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Excess Protection Insurance is an additional coverage available on car insurance or other vehicle insurance. When taking our a policy, you will have agreed with the insurer how much excess you will have to pay in the event of a claim. Some policies will have a £0 excess, but others can extend up to and over £1000.
A majority of people will choose a higher excess amount as this will generally decrease the cost of your insurance. In the event of you being involved in an accident and it is your fault, you will be required to pay this excess amount to claim on your policy. This is where excess protection insurance comes in.
Ultimately this comes down to whether you can honestly afford unannounced to pay your excess in the event of an accident. Where a lower excess could generally be manageable, the higher excess amounts could be tricky and leave you in financial difficulty, an additional worry which you won’t need after having an accident.
Excess Insurance is available as an add-on to your car insurance quote with Call Wiser and you could be surprised at how low the cost could be to cover it. We’ve detailed below excess protection insurance policy details and how much it costs. You can even add on excess cover for when you’re driving hire cars.
Looking for more information on excess in general? Check out our full guide here.
|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|
Standard Vehicles (PDF ~ 178 KB)
Goods Vehicles (PDF ~ 171 KB)
Read our guide:
How Excess Works on Car Insurance