We’ve put together some frequently asked questions and answers about our excess insurance policies. If you still have questions, please don’t hesitate to call us – that’s what we’re here for.

What is an excess?

An excess is the amount you have to pay in the event of a claim on your insurance policy. This can also be known as a 'deductible'. Generally the larger the excess the lower your insurance premium.

What is excess insurance?

Excess insurance protects the excess amount you are responsible for, in the event of a claim.

For example: if you buy your motor insurance policy with an excess of £500, and you have an accident that causes £2,000 worth of damage to your car; the insurer would settle your claim at £1,500. So that’s £2,000 less your £500 excess.

By taking out excess reimbursement insurance from insure4excess, you can protect yourself against some or all of these excess charges, depending on the level of excess reimbursement cover you select.

How does an Insure4excess policy work?

insure4excess reimbursement policies can protect the excess you are responsible for in the event of a claim. In the event of a claim you will need to pay the excess to your insurance company first and then claim this back on your insure4excess policy (providing the excess is for an insurance type your policy covers you for).

What level of excess cover should I choose?

You should check the amount of excess you are liable for on your insurance policies and choose your level of cover accordingly.

How can I cancel my Insure4excess policy?

You have a 14 day cancellation period to cancel your policy, providing no claims have been made. You can either email our customer service team at info@insure4excess.com or call them on 0344 892 1432.

How can I make a claim on my Insure4excess policy

You should notify our claims team once you have received the final settlement of your insurance claim. The claims team will issue you with a claims form and they will advise you of all the necessary documents you will need to support your claim. More information can be found by visiting our claims page, where you can also download a claims form.