Motor Excess Insurance
Motor Excess Protection is designed to protect you against the risk of incurring a motor policy excess payment or deduction in the event of a claim under your motor insurance policy.
You are covered for an amount equal to the excess in relation to each settled claim on your main personal motor vehicle insurance policy up to the annual aggregate limit of your XS policy in respect of claims arising from a motor insurance claim only.
A motor vehicle can be a private car, motorbike or light commercial vehicle which is registered at your home address, used for social and domestic purposes and commuting to your usual place of work, it must carry not more than seven passengers and not exceed 3.5 tonnes, of which you are the owner or which you are authorised to drive.
This Personal Vehicle XS policy covers one motor vehicle only and the vehicle be insured by a main insurance policy.
Cover is provided for the reimbursement of the excess of your motor insurance policy following a settled claim provided for a single motor vehicle.
You are also covered where you have been unsuccessful in recovering the excess cost from a third party within six months of making a valid claim against them under your main insurance policy.
Family Multi-vehicle Excess
Where your family vehicles are insured under a multi vehicle insurance policy, this insurance will cover three vehicles that are owned by your family and will reimburse the excess relating to settled claims on your main multi vehicle insurance policy.
Policyholder or family members vehicles are covered if used for social, domestic, pleasure, commuting and personal business use.