Lifestyle excess Insurance

An excess is the amount you have to pay in the event of a claim on your insurance policy. Generally, the larger the excess the lower your insurance premium. An excess can also be known as a 'deductible'.

Excess insurance protects the excess amount you are responsible for in the event of a claim.

For example: if you buy your motor insurance policy with an excess of £500, and you have an accident that causes £2,000 worth of damage to your car; the insurer would settle your claim at £1,500. So that’s £2,000 less your £500 excess.

By taking out a lifestyle excess reimbursement insurance policy, you can protect yourself against some or all of the excess charges from your home, motor, pet or travel policies, depending on the level of excess reimbursement cover you select.

Insure4Excess reimbursement policies can protect the excess you are responsible for in the event of a claim. In the event of a claim you will need to pay the excess to your insurance company first and then claim this back on your Insure4Excess policy.

You should check the amount of excess you are liable for on your insurance policies and choose your level of cover accordingly.

You have a 14 day cancellation period to cancel your lifestyle excess insurance policy, provided that no claims have been made. You can either email our customer service team at info@insure4excess.com or call them on 0344 892 1432.

You should notify our claims team once you have received the final settlement of your insurance claim. The claims team will issue you with a claims form and they will advise you of all the necessary documents you will need to support your claim. More information can be found by visiting our claims page, where you can also download a claims form.