Car Excess Insurance

What does this policy cover?

ALA Excess Protection covers both the voluntary and compulsory excess charged by your comprehensive insurer for any claim made. Cover is available for 1 year to cover 1 claim for an excess up to £750. Prices start at just £45.00. Cover can be repurchased once the policy has been used.

This product can be bought independently without the need for an ALA GAP Insurance policy. Please note that this policy covers your comprehensive insurance excess for any claim made. You also, in the event of a write off, are covered by your GAP policy for up to £250 of your comprehensive insurance excess, which this Excess policy will supplement if needed.

Cover Features:

  • Covers Voluntary and Compulsory Excess
  • Cover available from £150 to £750
  • Supplements £250 excess payment from your GAP policy in the event of a write off
  • Prices from as little as £45 depending on level of cover
  • Can be bought independently from an ALA GAP Insurance policy
  • Cover can be repurchased after the policy has been used for as long as you have GAP with us
  • No limit on mileage for the duration of the policy
  • Covers within the geographical limits of the UK, Isle of Man and Channel Islands
  • 30 day cooling off period
  • A Rated Underwriter – UK General Insurance Limited on behalf of Great Lakes Insurance SE
  • UK Administrators
  • Policy transfer – pro rata transfer of unused premium if you change your car, with no admin fees
  • Non Fault claims are covered
  • Claims for any repair or replacement of glass is excluded from cover
  • Comprehensively covered named drivers are also covered

Am I eligible for cover?

Eligibility for cover with a Excess Insurance/Protection Policy is shown below:

  • Available for cars up to 10 years of age at the start of the policy
  • No mileage restriction at the start of the policy
  • Applicable to cars purchased privately or from a dealer
  • Available for cars bought outright, on finance or leased
  • Available for drivers of any age with a fully comprehensive motor insurance policy

For extra peace of mind...

Add Car Hire Excess Protection

ALA Car Hire Excess Protection covers the excess if your hire car is damaged during the rental agreement. The excess charged by car rental companies can be anywhere between £500 and £2,000 per vehicle, so paying a small premium now could save you a large amount of money later.

Car hire companies often charge very high prices for their Excess Waiver or Collision Damage Waiver – the equivalent policy cost from ALA (which includes your standard excess cover) starts from just 24p per day!

Cover Features:

  • Cover available for up to 12 months
  • Covers accidental damage or damage as a result of fire or theft
  • Covers all drivers named on the rental agreement
  • Covers an unlimited number of rentals in the 12-month policy period
  • Covers an unlimited number of days per rental period
  • Covers drivers of any age
  • Choice of level of cover from £150
  • Includes cover for damage wheels and tyres

Can I buy ALA Car Hire Excess Protection?

We can provide you with cover if your vehicle:

  • Is a passenger vehicle, carrying up to a maximum of 8 people including the driver
  • Is hired from authorised vehicle rental company
  • Is used for social, domestic and pleasure purposes only
  • Is insured by an authorised and regulated motor insurer

You must also be a permanent UK resident with current and valid UK or full European driving licence.

What is not covered?

  • Any incident which occurs in the first 30 days of the policy
  • Personal effects, accessories, glass or audio/visual equipment
  • An excess which has been waived or covered by a third party
  • More than two claims in the policy period
  • Damage caused by any driver who is not named on the rental agreement
  • Commercial vehicles, vehicles used solely for delivery/courier purposes, hire or reward, driving tuition, taxis, racing, pace making, speed testing or reliability trials

When does my cover under the policy end?

The policy will end:

  • at the end date of the policy
  • after a maximum of 2 claims have been made; or
  • when the benefit level on the schedule has been reached

Whichever comes first.

Read more on why ALA GAP Insurance policies are better than the rest or click the green button to get a quote...


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