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Excess Protection Insurance

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What is Excess Protection?

Excess protection reimburses a customer the cost of any excess they may incur following a successful insurance claim under one of their main insurances, whether it is their home insurance, motor insurance, travel insurance, or pet insurance.

What do we Cover?

An excess on a home, motor, travel or pet insurance is the additional amount a customer will pay in order to help reduce the amount of premium they will pay for their insurance policy.

Our policy works by covering the cost of the insurance excess amount in the event of a valid claim made on the customer’s main insurance policy. Your customer may be subject to a large insurance excess on their motor, home, travel or pet insurance policies for a variety of reasons.

Points to consider

If the customer has to make a valid claim on one of their insurance policies the amount of excess can often be high, especially if they have both a compulsory and voluntary excess on their policy. Our excess policy will reimburse the cost of making this payment at what can be a difficult time.

Customers can buy a policy just for their motor or home insurance or a combined policy covering motor , home, travel and pet policies.

An insurance excess policy is typically offered separately from the main insurance products.

Our policy will cover the amount of any voluntary excess that a customer can pay in order to help reduce the amount they will pay for their main insurance policy.

If a customer has an accident in their car, it is likely they will have a policy excess to pay, even if the accident was not their fault.

The amount claimed under the main policy must exceed the policy excess for our insurance to be activated.

Why Choose Financial & Legal?

A customer can have their entire home, motor, travel or pet insurance excess amounts covered by our policy in the event of a valid claim being made on one of their main insurance policies. 

Cover can be offered for any type of vehicle, from private cars to commercial vehicles but also more unusual vehicles such as caravans, horseboxes and business vehicles including driving schools, taxis and motorcycles

Our policy is simple and easy to understand.

“The service we receive is exceptional. Financial & Legal are always 100% committed to their clients, providing invaluable swift and professional service, going above and beyond to help. The way the team liaise with our clients is exceptional from start to finish; they deal with matters sensitively and diplomatically, which is vital at a time when clients are understandably vulnerable and have an ongoing legal case.”

Charlotte Roberts, Owner of Anglesey Insurance Services LTD

“We were looking for more than just an insurer. We wanted to work with professionals who understood our business and risks and who could see the bigger picture. With Financial and Legal we have a dedicated team, who listen to us and develop the products we need.”

True Solicitors

“Having been with a larger insurer we seemed to have become stagnant in waiting for decisions and also experienced a lack of innovation. The Financial and Legal team and their personal approach means we can now sell products with the confidence that we are providing our clients with maximum security and protection.”

Pabla and Pabla Solicitors

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