Protect young drivers from big excess costs.

 

Learning to drive is already expensive. Even after you pass your test, motor insurance for young drivers can be even more costly.  

 

The average cost of motor insurance for younger drivers is reported to be £1,767.22, according to the experts at Quotezone.

 

If your 17-year-old is named on a motor policy, one wrong turn could lead to a crash and an excess charge of £250, £500, £1,000, £1,500 or more.

 

Our Motor Excess Insurance means you can get the excess cost refunded if the claim on the main insurance is approved and you have paid the excess charge.    

 

Why it’s a smart move

 

Car insurance for young drivers often comes with high excess levels (voluntary and compulsory combined). That’s on top of steep annual premiums.

 

A claim in their first year can cost hundreds—money many young drivers don’t have to spare.

 

Motor Excess Insurance can help protect that risk. If they’re in an accident, or the car is stolen, damaged, or vandalised, you can claim the excess back once the primary insurer pays out.

 

Who it’s for

• Drivers aged 17 or over
• With a valid UK provisional or full driving licence
• Named on a valid motor insurance policy (either as the main insured or covered as a named driver)
• Eligible vehicles include cars, motorcycles, vans, and HGVs (up to 44 tonnes)

 

There is no restriction on licence type; a provisional licence is fine. The key is that it’s current and valid.

 

What’s covered  

• The full excess amount (voluntary and compulsory) from a successful claim on the main motor insurance
• Accidents, fire, theft, and vandalism
• Fault and non-fault claims
  • For non-fault claims, if your excess hasn’t been recovered within 6 months, you can claim it back for eligible claims.

 

What’s not covered

• Claims during the first 14 days (unless it’s a renewal or bought within 14 days of the motor policy)   
• Incidents not covered by the main insurer.
• Claims arising from windscreen or other glass repair or replacement, misfuelling, or breakdown
• Claims not submitted within 31 days of your insurer settling.
• Any claims beyond your annual limit. For example, if your policy covers £1,000 in total, once that amount is reached, the cover ends, even if it took multiple claims to reach that amount.
• Commercial Driving tuition (e.g. a driving school). We have a separate cover for Driving School Motor Excess Insurance.

 

The claims process

1. Make a successful claim on your valid motor insurance policy.
2. Pay the excess.
3. Once your insurer settles the claim, you can make your excess claim. Submit your excess receipt, the motor insurer’s settlement letter, and your main policy schedule.
4. You will get a refund for the excess payment, up to the annual limit, for an eligible claim.

 

What it costs

Prices start from £14.99 per year.

Limits and costs vary based on your selected cover.  

 

Why choose us

• Underwritten by Collinson Insurance (a UK-based insurer)
• Claims managed by Davies Group
• FCA-regulated and FSCS-protected
• Total Loss GAP is experienced in the field, having sold motor excess insurance for nearly a decade.

 

Cover your excess today – get a quote in minutes.

 

Motor Excess Insurance for 17-Year-Old Drivers – FAQs

1. Can a 17-year-old with a provisional licence be covered?

Yes, as long as the driver is named on a valid comprehensive insurance policy and holds a current and valid UK provisional or full licence, they are eligible.

2. Will this cover a named young driver on someone else’s policy?

Yes, the policyholder and any named drivers on the motor insurance can be covered under this excess policy, provided they're listed at the time of claim.

3. What happens if the excess is higher than the policy limit?

The policy will refund up to the selected annual limit. Any amount above that won’t be reimbursed. For example, if you choose a £500 limit and your excess is £750, you’ll be refunded £500.

4. Does this policy cover multiple claims?

Yes, as long as the total reimbursement doesn't exceed your annual claim limit, you can make multiple claims during the policy year. If you have an excess claim limit of £1,000, you could make two separate claims for £500 during the same policy term, for example

5. What if the young driver has a non-fault accident?

If your insurer hasn’t recovered the excess from the third party within 6 months, you can still claim under this policy.