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Whenever you make an insurance claim, you have to pay an excess. If you have to make a claim on your Car, Home and Travel Insurance, Protect your bubble Excess Insurance gives you the peace of mind that you could be reimbursed for the excess you would have to pay on those claims.
Excess Insurance is for anyone who doesn't fancy having to pay high excesses charges on their other insurance policies. We’ve put together the FAQs, Summary of Cover and Terms and Conditions so you can make sure this is right for you.
The excess on your insurance policies can all add up; Excess Insurance helps you handle those out-of-pocket expenses.
Take Jamie Green for example. He's 28 and has just bought his first house. He needs his car to get to work and is planning his stag do in Ibiza later this year. He lives with his fiancée, Charlotte, and their pet cat, Smokey.*
Jamie’s had a bit of a bad year and was looking at paying:
- A £200 excess for claiming on his Home Insurance for the leaky shower in the bathroom
- A £500 excess for claiming on his car insurance for a crash (that wasn’t even his fault)
- A £150 excess for claiming on his Travel Insurance after his room was burgled in Ibiza
- A £100 excess for claiming on his Pet Insurance after Smokey had a suspicious lump removed by the vet.
That’s one unlucky year and a total of £950 excess. Luckily, Jamie took Protect your bubble Excess Insurance. He opted to pay £141.97 for £1000 of excess cover (which included cover for Pet Insurance), which more than covered him for all those claims. In fact, after just the first claim on his leaking shower, the Excess Insurance more than paid for itself.
Think about all the excesses you have across your insurance policies. With Protect your bubble Excess Insurance, you don’t have to choose to cover your total amount of possible excesses; you might just want to make sure a chunk of it is covered if the worst happens. Remember, you may think you’ll need to claim on your Car and Pet Insurance more than once each, but you might not have Home Insurance.
Now you’ve got an idea of the level of cover you need. The cover level automatically includes cover for Car, Travel and Home Insurance. You can include Pet, Health, Car Hire and/or Car Warranty Insurance in this level of cover for an additional cost each.
Excess Insurance cover starts from £32.99 a year – which includes cover for up to £250 of excess on your Car, Home and Travel Insurance. Your own cover will depend on how much excess you want to cover on your policies.
*all characters are fictional. All excess figures quoted are hypothetical and for illustrative purposes only.
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Protect your bubble Excess Insurance is underwritten by Inter Partner Assistance SA (IPA), which is fully owned by the AXA Assistance Group (FSA register number 202664). It is administered by Questor Insurance Services Limited who are authorised by the Financial Service Authority.