Motor insurance
Standard excess £500 for each claim.
The excess, in one line
The excess is the part of any claim you pay yourself. On a motor policy it is £500, and we take it off the amount we agree before the money reaches you.
What’s covered
- Accidental collision damage
- Fire and theft
- Windscreen and glass
- Third party property damage
- Third party injury
- Vandalism
- Storm and flood damage
- Damage while parked
- Personal effects up to £300
- Courtesy car during approved repair
Cover applies while the policy status is Active.
What’s not covered
- Driving without a valid licence
- Use for hire or reward
- Mechanical breakdown
- Tyre wear
- Damage while driven by an unnamed driver
These are the standard exclusions for this product. Your own schedule may add more, so read it alongside this page.
Just had an accident?
If it has just happened, start here. The first hour matters more than the paperwork.
Before we can discuss your claim
Anything specific to your policy or your claim needs two things from you first: your policy number and the postcode registered on the policy. We check both before we read out any detail. Our approved repairer list and our general claims guidance are open to everyone and need no verification at all.