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What is a Motor Insurance Excess Policy and why should you consider protection?


Motor Insurance excess policies are nothing new in fact they have been around for many years protecting hundreds and thousands of customer each and every year. So what can a motor insurance excess policy do for you and how does it work?


If your vehicle is damaged you would naturally make a claim on your motor insurance policy. They would repair the vehicle and then ask you to pay your motor insurance excess. This is the first part of any claim that you are responsible for paying.


Normally when you buy your motor insurance you will be asked to pick a voluntary excess and sometimes the insurance company may impose a compulsory excess. This means that even if your vehicle is damaged through no fault of your own you may be left paying a considerable amount of money in order to have your vehicle repaired.


So why does your motor insurance company encourage you to, in some cases, increase your excess by reducing your motor insurance quote when you do? 


The simple answer is because it means that you are paying a big chunk of money each and every time you have to make a claim. Did you know that some young drivers insurance can decrease many hundreds of pounds simply by increasing your excess. Sounds good well yes until that is you need to make a claim and then potentially you are left having to find in some cases thousands of pounds.


Excess Insurance would mean that you would pay your excess and then simply claim it back from your policy. It genuinely is as simple as that. 


Maximum Excess Limits currently offered by Total Loss Gap

This can be a combination of compulsory and voluntary excess.


  • £250
  • £500
  • £750
  • £1000
  • £1500



Typical process in making a claim on Motor Excess Insurance protection



  1. You will have to make a claim on your Motor Insurance policy.
  2. Your motor insurer will assess the damage and if it exceeds your excess on the motor insurance policy they will process the claim.
  3. You pay your motor insurer the excess on the motor insurers policy.
  4. You claim the excess cost back, to the maximum of your Motor Excess claim limit, from your Motor Excess Insurance policy.motor excess insurance



Typical Exclusions for Motor Excess Insurance


Like all insurance policies, the Motor Excess cover from Total Loss Gap will have some typical exclusions. These may include:


  • If your motor insurance company do not ask you to pay your excess then we would not be able to settle your claim. This may be when the cost of your claim does not exceed your excess amount. 
  • We also need to make you aware that this policy does not cover Car Hire vehicles or pool cars.
  • Vehicle use such as hire and reward, taxi, courier, emergency vehicles or driving school.
  • We do not cover excess charges for Glass claims, or other supplementary insurance claims.
  • If you are buying a new excess insurance policy, in order to combat fraudulent claims there is a 14 day exclusion period at the start of your policy during which time your policy will not cover any claim. If you are renewing your policy with us then no 'waiting period' is applied to your second, or subsequant policies for the same vehicle.  



Why not click or call 0151 647 7556 and see just how affordable excess insurance can be?