Excess Protection

Available with most motor policies.
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What is Excess Protection Insurance?

Excess Protection Insurance is an additional coverage available on car insurance or other vehicle insurance. When taking out a policy, you will have agreed with the insurer how much excess you will have to pay in the event of a claim. Some policies will have a £0 excess, but others can extend up to £3000!

A majority of people will choose a higher excess amount as this will generally decrease the cost of your insurance. In the event of you being involved in an accident and it is your fault, you will be required to pay this excess amount to claim on your policy. This is where excess protection insurance comes in.

The Policy

Excess Protection allows you to claim back your excess following a fault accident
Excess can be claimed back following the settlement of a claim
Excess Protection Amount Price Hire Car Price Combined Price of Products
£300 £35 £35 £60
£500 £60 £35 £90
£750 £85 £35 £110
£1000 £110 £35 £140
£1500 £160 £35 £190
£2000 £200 £35 £230
£3000 £220 £35 £245

Conditions & Exclusions

  • Cover is excluded for any vehicle used in connection with the motor trade.
  • Cover is excluded in any competition, trial, performance test, race or trial of speed, including off-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event.
  • Excludes any claim notified to Crusader more than 31 days following the settlement of the claim.
  • Excludes any claim where the excess has been waived or reimbursed.
  • Claims that are refused by your motor insurer are excluded.
  • Also excludes any claim arising from glass repair or replacement.
  • Supporting Documents will also be requested when making a claim.

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