Any user of the vehicle must be covered by motor insurance which is in force throughout the duration of the motor excess policy.

All claims must be reported to us as soon as reasonably possible, and in any case no later than 30 days after the date the excess is paid under the motor insurance policy. 

Claims must occur within the United Kingdom, Channel Islands and the Isle of Man, including transit by sea, rail or air directly between two of these places.

You can use our Excess Protect policy for cars, vans and motorbikes for residents of the UK. Our Multi Vehicle policy will cover up to 3 vehicles belonging to the Home Owner and Family Members who normally reside with them. 

This can be a very cost effective way of having one policy that can reduce the premiums on all Car Insurance Policies.

This Personal Motor Excess Insurance will reimburse the value of your excess under your motor policy, or the amount you decide (Whichever is less) in respect of each claim paid under your motor insurance policy which occurs within the territorial limits arising as a result of:

• fire, theft, attempted theft, flood vandalism or an accident that was your fault or partially your fault; or
• where you have been unable to recover your excess from a liable third party within a six month period of the date of claim

• theft, attempted theft, malicious damage and/or vandalism to your vehicle that has not been reported to the police and a valid crime reference number obtained;
• claims exceeding the aggregate limit you have chosen(£250, £500, £750 and £1000 in any one period of insurance;
• an excess which applies solely in respect of windscreen or glass damage claims;
• an excess payable on warranty policies;
• an excess payable in respect of theft or attempted theft of personal effects;
• claims where there is any allegation that the damage to your vehicle occurred after you or any person covered under your motor insurance policy had allegedly consumed alcohol or illegal drugs.
• Any claims that occur whilst your motor vehicle is being used and/or driven for the purposes of racing, pacemaking or trials;

There is no restriction in Personal use of the vehicle. The policy will cover class 1, 2 and 3 business use, as long as this is selcted as you purchase the policy.

• You cannot make a claim where the cost of the claim is less than the policy excess. This is an important factor to consider when deciding how much of a voluntary excess to add onto your Motor Insurance Policy.

• You must take all reasonable steps to keep your vehicle safe, secure and protected from damage at all times.
• If your excess is recovered as a result of any claim against a third party or their insurers you must refund any monies previously paid to you by us in respect of your excess.
• You must be able to provide us with evidence of the excess you have had to pay in respect of each claim paid under your motor insurance policy.
• All claims involving theft, attempted theft, Malicious damage and/or Vandalism need to be reported to the police and a valid crime reference obtained.

• Worldwide.
• If You wish to use Your Vehicle abroad for more than 90 days or in any country that is not a member of the European Union, please notify Your selling broker at least two weeks prior to Your departure, so that Your cover can be extended for the appropriate period and You can be made aware of any additional premium required and if any additional terms apply

You must provide full and accurate information to all questions asked. Your answers must be true to the best of your knowledge and belief. Your answers will form part of the statement of facts on which your policy will be based. If you become

aware that information you have given us is inaccurate or has changed, you must inform us as soon as possible. Failure to do this may invalidate your policy and claims may not be paid. 

Your cover will start and end on the dates stated in your policy documents.

If you decide that for any reason, this policy does not meet your insurance needs then please let us know within 14 days from the date of purchase or the day on which you receive your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, the premium will be refunded in full. If you wish to cancel after the 14 day cooling off

period, no refund will be given.