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Car Excess Insurance

Comprehensive cover for excess charges…

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What is Car Excess Insurance?

Can I buy Car Excess Insurance?

What is not covered?

What is Car Excess Insurance?

ALA Car Excess Insurance covers both the voluntary and compulsory excess charged by your comprehensive motor insurer if you make a claim.

Prices start at just £17.27p!

Policy term is 12 months with cover available up to £1,000.

Can I buy Car Excess Insurance?

In order to purchase ALA Car Excess Insurance, you must be the policyholder of the motor insurance policy.

No vehicle age restriction

No mileage restriction at the start of the policy

Suitable for vehicles 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

Available for permanent residents of the UK, Channel Islands and Isle of Man

What is not covered?

Any incident where the cost of the repair is less than the excess on your motor insurance policy

Any incident which happened before the start date of your policy

Any claim in relation to glass repair or replacement

If your excess has been waived or covered by a third party

Excluded vehicles:

Vehicles used for hire and reward, any competition, trial, performance test, race or trial of speed, including off-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event; any business use other than Class One Business Use as normally defined by motor insurers; any purpose in connection with the motor trade.

How do I make a claim?

How do I make a claim?

If you need to claim on your ALA Car Excess Insurance please contact our UK based claim team on 0203 740 4431 (if your policy is underwritten by Commercial & General Ltd) or visit https://www.excessclaim.co.uk/ (if your policy is underwritten by Inter Partner Assistance S.A) as soon as possible and within 30 days of the incident.

You’ll be sent a claim form which you need to return as soon as possible, along with a copy of the settlement letter from your motor insurer showing the excess that has been paid by you.

Policy Documents

Car Excess Insurance FAQ

What does the policy cover?

In the event of a claim with your comprehensive motor insurer you will usually have to pay a compulsory excess and, possibly, an additional voluntary excess. ALA Car Excess Insurance covers both the voluntary and compulsory excess charged by your comprehensive insurer for any claim made, not just for a total loss (excluding glass claims).

Is my policy protected?

Our underwriters for this Excess policy are Commercial & General Ltd or AMS Ltd – dependent on when you bought your policy. We are fully authorised and regulated by The Financial Conduct Authority (FCA) and your policy is covered by the Financial Compensation Scheme.

Does the policy cover both voluntary and compulsory excess?

Yes, the policy covers both of these elements charged by your comprehensive insurer for a claim under your motor insurance policy.

How long does the policy cover me for?

The excess policy lasts for 12 months. You can renew your policy upon expiry or after making a claim, whichever comes soonest.

Is there a claim limit on the policy?

Yes, the claim limit options are £150, £250, £500, £750 and £1,000. The claim limit is set at the time of purchase and is the maximum that can be settled under the policy during the term of the policy.

Does the policy supplement the £250 I would receive towards my excess If I claim on my GAP policy for a total loss?

Yes. If you make a total loss claim your GAP policy covers the first £250 of your comprehensive excess and, if needed, your Car Excess Insurance policy will cover anything in addition to this.

How many claims can I make under the Car Excess Insurance policy?

You can claim as many times as you need to as long as the value of the claims don’t exceed the maximum claim limit on the policy.

 

Can I renew my Car Excess Insurance policy when it expires?

As long as the insurer still underwrites this product and you meet the eligibility criteria of the cover, then we would be able to supply you with a new policy.

If you make a claim and there is no remaining benefit in the policy you can purchase a replacement policy.

 

How long do I have to make a claim?

Claims must be made as soon as possible and no more than 30 days after the incident for which you are claiming.

 

What is the claims process?

All claims must be notified to the claims administrators within 30 days of the making the claim with your motor insurer on 0203 740 4431 (if your policy is underwritten by Commercial & General Ltd) or visit https://www.excessclaim.co.uk/ with all claim evidence (if your policy is underwritten by AMS).

Any claims made after 30 days may not be able to be paid.

You’ll need to provide your policy number and the claims administrator will send you a claim form, which you will need to complete as soon as possible.

You will also need to provide a copy of the settlement letter from your motor insurer show in the date of the incident and the amount of excess that you have paid.

Once they have received all of the relevant details, the claims administrator will then arrange to pay back your excess.

 

Can I transfer my policy to my replacement vehicle?

Provided no claims have been made or are pending on the original policy and the replacement vehicle qualifies for cover, then we can amend the details on your original policy.

 

Is there an excess to pay?

No, we do not charge an excess for any claim on this policy.

 

Is the policy available for any vehicle?

The policy can be purchased to cover comprehensive motor insurance policies for cars.

The policy is unable to cover vehicles used for hire and reward, any competition, trial, performance test, race or trial of speed, including off-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event; any business use other than Class One Business Use as normally defined by motor insurers; any purpose in connection with the motor trade.

Is there any initial exclusion period?

No, your Car Excess Insurance policy is valid as soon as the premium is paid and you are in receipt of your policy documents.

 

Do you cover for overseas travel?

The policy will cover you whilst driving abroad, as long as the incident is covered by your motor insurer.

 

Is the premium quoted a one off amount?

The premium quoted is a total amount for the full duration of the policy and includes Insurance Premium Tax. If you choose to pay by debit card, credit card or PayPal there will be no surcharges involved for the transaction.

Alternatively you can choose to pay by Direct Debit over 10 months, however this will incur an interest charge.

 

Does the policy cover pre-existing incidents?

Unfortunately, we cannot cover an incident or damage which has occurred prior to the policy being purchased.