Motor Excess Insurance

Insure against paying your voluntary AND compulsory motor excess.

Excess Insurance pays your motor insurance excess fee if you make a claim, so you aren’t left out of pocket.  


24hr Claims Helpline

Family Multi-Vehicle Excess Insurance

Multiple claims  


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What is Excess Insurance?


If your claim is £900 and your policy excess is £500, your insurance provider will pay only £400 of the cost, leaving you to make up the balance of £500. Motor Excess Insurance pays you back the excess premium you have to pay.


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Single Vehicle Excess Insurance


Protect against having to pay your car insurance excess with a simple, low-cost policy. Great for young drivers attracting higher premiums and excesses, and when insuring prestige cars.

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Family Multi-Vehicle Excess Insurance


If your family vehicles are insured under a multi-vehicle policy, Family Multi-Vehicle Excess Protection will cover up to five vehicles in the same household.

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Instant benefits

Motor Excess Insurance covers you for fire, theft or attempted theft, flood or vandalism or an accident that was your fault or partially your fault, or where a third party is unable to recover your excess.

Multiple claims




You can make multiple claims up to the annual aggregate limit of your excess policy.

Choose your excess




Cover benefit options available range between £250 – £2000.

Third party claims




Peace of mind when you can’t recover costs from a third party.

24hr Claims Helpline




Our claims line staff are available round the clock, 24 hours a day, 365 days a year to assist you in the event of a claim.

Family policy




Family members who are named in the main insurance policy and live with you.

Cover for your vehicles




This policy covers different types of vehicles: including cars, motorbikes, and small vans.

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Did you know?

Inflationary pressures and a post pandemic increase in claims means your insurance premium and excess could increase this year. So for a relatively minor claim, you may end up paying a large amount towards the claim due to the excess on your policy.

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What does Excess Protection Insurance cover? 


The excess where there has been a claim for:


    Damage as a result of fire

    An accident regardless of who is at fault

    A vehicle that is stolen and recovered damaged

    A vehicle vandalised by a third party

    A collision with an uninsured driver

Excess Protection Insurance doesn’t apply if:


    An incident happens before the start date of the policy

    No excess is paid out

    A claim for less than the amount of the excess is unsuccessful

    A claim is for glass or windscreen replacement

    A claim is made that the motor insurer doesn’t provide cover for


Making a claim

Our claims service is designed to help you in a time of stress when you may be worried or frantic. We will deal with your claim with little fuss and get the wheels rolling to sort out your issue straight away.

If you need to contact us or need to make a claim you can call us on 0161 4921639, or email us at claims@financialandlegal.co.uk or write to Financial & Legal insurance company Limited, No.1 Lakeside, Cheadle Royal Business Park, Cheadle, Cheshire, SK8 3GW

For multi vehicle policies sold before 24th July visit excessclaims.co.uk

For Mutli Vehicle and Motor & Home (combined policy). Visit our claims web site: excessclaims.co.uk where you will be able register your claim on line. By Phone Please call AXA Assistance (UK) Ltd on 0345 600 0034 to notify your claim.

Frequently asked questions 


We provide a quality, affordable alternative to buying cover with your motor insurer. You'll get the same peace of mind on the road, all for up to 40% cheaper than a typical car insurer.

Cover is provided for the reimbursement of the excess of your insurance policy following a settled claim made by your insurer. The claim must exceed the value of the excess policy for you to be able to make a claim for reimbursement of the excess value. We will not reimburse you for any claim you make under your excess insurance policy within the first 30 days immediately following the start date of cover unless this insurance was taken out at the same time as your main insurance policy.

This policy will cover the named holder of the policy along with anyone else who is entitled to ride or drive the insured vehicle (and is covered under a motor insurance policy).

This policy covers you in the vehicle you're insured to drive. This includes cars, motorcycles and small vans.

Motor excess protect from Best Price FS is administered by Nice 1 Insurance and underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Assistance Group.