The Best Motor Insurance Excess Cover: Award-Winning & Affordable

An excess insurance policy can save you from unexpected expenses. Designed to reimburse the amount you pay toward your compulsory or voluntary excess, motor excess insurance offers peace of mind and financial protection in the event of a claim. Read on to explore award-winning excess insurance cover from ALA and see how it compares with other providers.

Why Get Excess Cover?

An excess insurance policy is a cost-effective choice to minimise your out-of-pocket expenses when claiming on your car insurance. It usually costs more to have a low voluntary excess than to buy third-party cover, especially if you’re a young driver or new to holding a motor insurance policy. A higher voluntary excess brings down the price of your main insurance policy.

However, motor excess insurance can be valuable for anyone. Just set your maximum claim limit, and you can make as many claims as needed within the duration of the policy. This gives peace of mind in the event of a claim, knowing your policy excess is protected.

Comparing Excess Policies: ALA vs. Competitors

ALA is a leading insurance company offering a selection of quality insurance policies, from GAP insurance to extended warranty. While it’s important to get the best deal, we explore the best overall motor excess policies that provide affordability and quality.

Which is the Cheapest Policy?

Explore the quotes of 3 different providers below:

While Easy GAP offers the cheapest excess policy, there are some restrictions to consider:

• Your car must be less than 15 years old
• Your car must have covered less than 15,000 miles

Which is the Best Policy?

Excess insurance is generally simple—policies reimburse the motor excess you’ve paid to your comprehensive cover provider. To avoid delays, excess charges, hidden fees and policy shortfalls, it’s a good idea to choose a reputable provider.

ALA offers award-winning customer service. We’re rated 4.9 stars on Trustpilot from over 19,000 customers. We charge no admin fees and you can transfer, amend policy documents, or cancel and get a pro-rata refund, at no additional cost.

Compare the unique excess protection policy features:

ALA is regulated by the Financial Conduct Authority (FCA) and provides FSCS protection. Choosing a provider regulated by the FCA gives reassurance in the event of a claim.

Benefits of ALA Excess Cover

No Age or Mileage Limits

Unlike other providers, ALA doesn’t impose age or mileage limits, making our motor excess insurance policy more accessible. Whether you use your car for pleasure or business use, you’re welcome at ALA. We cover older cars, vans and pick-ups under a valid motor insurance policy.

Fast and Easy Claims Process

As soon as you’ve made a successful motor insurance claim, contact our excess protection policy handler to reclaim your paid policy excess. As long as you provide the correct policy documents, your excess insurance claim should be quick and hassle-free.

Award-Winning Customer Service & Reputation

With decades of experience in the motor insurance industry, we prioritise transparency, trust and customer care. ALA has over 19,000 reviews and a 4.9 Trustpilot rating. We won Gold in the UK Customer Experience Awards 2024.

We don’t work on commission, and our team is selected for their understanding and patience to give you the best support.

Affordability

We can’t always guarantee the lowest insurance premium, but we offer exceptional value for a quality product. With no admin fees and flexible plans, ALA can often be the most affordable provider.

Protected Policies

All our products are insured, so you’ll never buy a scam insurance policy. We’re registered with the Financial Ombudsman Service for added peace of mind.

Frequently Asked Questions

Is Excess Protect Cover Worth It?

Excess cover from ALA starts at £23.89 and can reimburse up to £2,000 of your compulsory excess or voluntary excess from your normal car insurance. In most cases, it’s more cost-effective than choosing a lower excess from your motor insurer. Learn whether excess insurance is worth it for you.

Are There Any Significant Exclusions on This Policy?

Yes, some exclusions include:

• Vehicles used for hire and reward or competitions
• Vehicles used for business beyond class one
• Commercial vehicles over 3,500kg
• Claims exceeding your maximum claim limit
• Excesses waived or reimbursed by a third party or rental company
• We don’t cover car hire

Are Additional Drivers Covered?

Yes, any named drivers on your valid motor insurance policy are covered. We do not cover separate or temporary car hire insurance policies.

How Long Do I Have to Make a Claim?

You have 180 days from the incident to file your insurance claim, and must have paid the policy excess in full beforehand.

Are There Any Hidden Fees?

No. We charge no hidden fees—what you see is what you pay. Our transparency is one reason we’re trusted by so many.