Lifestyle Excess Protection

Covers Pet, Travel, Home & Motor policies

What is Lifestyle Excess Protection?

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Lifestyle excess insurance can give you peace of mind that if you need to make a claim on one of your insurance policies, your excess can be reimbursed.


Covers policies where you are the Policyholder which are insured by a UK authorised and regulated insurer. You could save money by being able to claim back any excess amounts on a claim you make. You could also save by lowering premiums by opting for a higher voluntary excess on your standard policy.


This policy covers Pet, Travel, Home & Motor Policy Excesses.

Pet, Travel, Home & Motor

This Lifestyle Excess Protection Insurance will

reimburse the lesser of the value of your excess under any of the following policies or to the level of your chosen amount (whichever is the lower)


You can claim under this policy more than once during the period of insurance but we will only reimburse you up to a total of your chosen amount.


  • A private motor vehicle owned and insured by you which is noted on your motor insurance policy;
  • The insurance policy covering veterinary treatment fees following an accident or illness to your pet cat(s) or dog(s) kept at main residence for domestic purposes only;
  • The buildings and/or contents insurance cover for a property which you own, are the executor for or are the tenant of.
  • A travel insurance policy providing cover in respect of medical expenses, cancellation, curtailment or abandonment, delay or loss of baggage whilst you are travelling away from your main residence.

The Exclusions

  • Pet insurance for any cat or dog used for business purposes
  • Claims exceeding the aggregate limit of your chosen amount in any one period of insurance;
  • Any claim reported to us more than 30 days after settlement of your claim by your motor, pet, home or travel insurer;
  • Any claim which is not covered by your primary motor, pet, home or travel insurance policy or which is declined by the insurer;
  • Where the excess is not exceeded under your primary motor, pet, home, or travel insurance policy

When getting quotes for your Various Insurances (Pet, Travel, Home &  Motor) Choosing a higher voluntary excess will help to bring down the cost of your insurance premiums because the insurer won't have to pay out so much in the event of a claim. On the flipside, this means that you'll be the one coughing up the extra cost if you have to make a claim.

Excess Protection insurance works alongside your Insurance policies. If you have to make a claim against your Pet, Travel, Home or Motor policy, then you can claim on our Excess Protection policy to recover the excess you have had to pay out. Excess Protection can be particularly useful for young drivers, as increasing the excess can bring the premiums down by hundreds of pounds.

With our Excess Protection policy, you can choose a claim limit of £200, £500, £750, £1000 and £2000. Our prices start from just £45 per year.

You choose the claim limit to suit you. For example a policy with a limit of £1000 could allow one claim of £1000, or four claims of £250, you decide.

A Word of Warning

You must be aware that increasing the excess too much could cause you issues with small claims. For example, if you increase your excess to £2000 and then you have a small bump, let's say it costs £1000. In this instance, you can't claim on your motor policy because it's less than £2000 and this means you can't claim your excess back from your excess protection policy. This means that you would have to stand the cost of the claim.

We also offer Multi Vehicle Family Excess Protect, if you want one policy to cover up to 5 vehicles
  • Are there any Restrictions on Cover?

     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 primary motor, pet, home or travel insurance policy;

     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;

     All claims involving theft, attempted theft, malicious damage and/or vandalism must be reported to the police and a valid crime reference obtained

  • What Policies Will it Cover?

    You can use our Lifestyle Excess Protection policy for your Pet, Travel, Home & Motor policies for residents of the UK.

  • What is Insured?

    This Lifestyle Excess Protection Insurance will

    reimburse the lesser of the value of your excess under any of the following policies or the amount of your chosen amount.

    You can claim under this policy more than once during the period of insurance but we will only reimburse you up to your chosen amount of cover.

     a private motor vehicle owned and insured by you which is noted on your motor insurance policy;

     the insurance policy covering veterinary treatment fees following an accident or illness to your pet cat(s) or dog(s) kept at main residence for domestic purposes only;

     the buildings and/or contents insurance cover for a property which you own, are the executor for or are the tenant of.

     a travel insurance policy providing cover in respect of medical expenses, cancellation, curtailment or abandonment, delay or loss of baggage whilst you are travelling away from your main residence.

  • What is Not Insured?

     pet insurance for any cat or dog used for business purposes

     claims exceeding the aggregate limit of your chosen amount in any one period of insurance;

     any claim reported to us more than 30 days after

    settlement of your claim by your motor, pet, home or travel insurer;

     any claim which is not covered by your primary motor, pet, home or travel insurance policy or which is declined by the insurer;

     where the excess is not exceeded under your primary motor, pet, home, or travel insurance policy


  • What if the Claim is Less than the Policy Excess?
    • 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 Pet, Travel, Home & Motor Insurance Policy. This policy will recover your excess that you have had to pay out.
  • Are There Any Restrictions on Cover?

     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.

  • Where Am I Covered?

    You are covered in respect of Motor Claims that occur within the United Kingdom, Channel Islands and the Isle of Man.

  • What Are My Obligations?

    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. 

  • When Does Cover Start and End?

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

  • How Do I Cancel the Contract?

    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.

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