Excess Protect Insurance

Insurance cover for any remaining Policy Excess amount

Most insurance policies include an Excess as part of the policy. An Excess is a specified amount that the 'insured' is responsible for towards claims made under the policy. Excess Protection Insurance is a separate insurance cover, insuring against that 'Excess' amount, should you have to pay it out. So, if you have this 'add-on' product in place, should you have a claim that involves you paying out the full excess amount towards the claim, you can claim that back under your Excess Protection policy. One small point to note, your Excess amount must be breached in order for this policy to become active. 

How this policy works

If you have a fault accident or an accident which is partially your fault, or there is a fire or theft claim, your car insurance policy will normally have an excess amount, meaning that part of the claim is down to you. (For non-fault claims, the excess amount can be claimed from the Third Party insurer.) 

Certain things are not covered.

• When the claim amount does not reach the full policy excess amount - the full excess amount must be breached 
• When the incident is not reported within 30 days to the Insurers
• Claims for personal effects or audio cover - Excess relating to these are not covered 

Policy Wording & Insurance Product Information Document

View a copy of the Excess Protect Insurance Policy Wording

View a copy of the Excess Protect Insurance IPID

This policy cover has been arranged with Universal Insurance Company (Guernsey) Ltd. Ramasis Limited is connected for the purposes of the Insurance Companies Regulations 1994 to Universal Insurance Company (Guernsey) Ltd who is authorised and regulated by the Guernsey Financial Services Commission.