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Motor Excess Insurance


Easy Gap Excess Insurance - Protect the cost of your Motor Excess Claims 


Easy Gap Motor Excess Insurance can protect you against the cost of paying your voluntary and compulsory excess. 


You can protect from £300 to £1500, and prices start from £14.99 for a 12-month policy.


Why not click for an instant quote and cover and see how easy and affordable an excess insurance policy can be?

Click for an instant Excess Insurance QuoteYour Easy Gap Excess Policy is protected by the FSCSEasyGap Is proud to be members of the British Insurance Brokers Association


Why do you need an Easy gap Excess Insurance? 


We all know that you need motor insurance to be able to use your vehicle on public roads. Equally, we all know that motor insurance costs are increasing. With this in mind, more and more of us agree to pay higher excesses. 


An EasyGap Excess Insurance policy can be an affordable way to ensure you maximise savings on your motor insurance while not leaving yourself open to large ( often unexpected ) payments.


Types of Excess on your motor insurance


Your motor insurance company can ask you to pay for two types of excess on motor vehicles.


  1. Compulsory excess is an amount your insurance insists you pay for any repair/write-off or claim.
  2. Voluntary excess is the amount you choose and is on top of any compulsory amount your insurance company has insisted upon.


Increasing voluntary excess can significantly affect your motor insurance premium cost. Even a tiny increase to provide a higher voluntary excess amount can save hundreds of pounds depending on driving history; age claims history, etc.


After all, you are committing to pay the first part of any claim. This lowers your motor insurance companies' risk, which can, in turn, mean a lower annual premium.


So, the temptation can be to have a high excess to reduce your annual motor insurance premium.


The downside is that higher excess charges mean you must pay more each time you claim your motor insurance policy.


The other important thing to consider is that if you take our motor excess cover to protect against these charges on an insurance claim, you have to pay your excess on the motor insurance claim to claim it back.


What do we mean by that?                                                    


Let's say you raise the voluntary excess to £750 and have a compulsory excess of £250, giving you an overall excess of £1000 on your motor insurance policy. If you have a claim following a minor accident, and the repair cost is only £800, your motor insurer will not pay out. This is because you have not exceeded the excess amount of your motor insurance.


In this instance, you would have to pay the £800 repair cost with no contribution from your motor insurer. As you have not claimed on your motor insurance or paid any excess charges, you cannot claim on your motor excess insurance policy.


Essential requirements to claim on your Motor Excess Insurance policy

  1. You have a successful claim on your fully comprehensive motor insurance.
  2. You pay the excess on your motor insurance claim.
  3. You can claim back your excess payment from your motor excess insurance coverage.


Which type of vehicles can you take Motor Excess Protection for?


Easy Gap can offer private motor excess insurance cover on the following types of vehicles:

  • cars
  • motorbikes
  • light commercial vehicles below 3500kgs
  • minibuses below 19 seats

Which types of vehicle use can be covered by Motor Excess Protection from EasyGap?


Vehicle uses can include:

  • Social, Domestic and Pleasure
  • Class 1 business use and commuting


Which types of vehicle uses cannot be covered by Motor Excess Protection from EasyGap?


Examples include

  • Hire and reward
  • Taxi
  • Private Hire
  • Courier
  • Delivery
  • Driving school


What type of claims cannot be covered by a Motor excess insurance policy by Easy Gap?


Examples include where you have a separate glass repair cover with your motor insurance. If you are charged an excess for glass claims, these cannot be claimed on your motor excess insurance policy.

For a full list of terms and conditions, please see our Excess Insurance policy documents.