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 Excess Insurance covers both the voluntary and compulsory excess charged by your comprehensive insurer for any claim made, not just for a total loss.
Our underwriters are UK General Insurance Limited on behalf of Great Lakes Insurance SE, an A rated underwriter. We are fully authorised and regulated by the Financial Conduct Authority (FCA) and your policy is covered by the Financial Services Compensation Scheme.
All claims must be authorised by the claims administrator, Trent Services. You can contact them on 01285 626020.They will ask for some information to support your claim including: your name, contact details, Excess Insurance policy number, the name of your motor insurer, Motor Insurance policy number and a copy of the settlement letter from Your Motor
‐ Your name and address;
‐ Details of the Vehicle;
‐ The amount settled;
‐ The nature of the Incident;
‐ The Excess deducted.
Provided no claims have been made or are pending on the original policy and the replacement vehicle qualifies for cover, then we can complete a policy transfer. We do this by calculating the unused premium, on a daily pro rata basis, and deducting that amount from the new policy premium. There may be a balance to pay for the new policy.
The policy can be purchased to cover comprehensive motor insurance policies for cars, light vans (less than 3500kg) and motorcycles.
The policy cannot cover vehicles which are used in any sort of competitions or rallies, for hire or reward, delivery or courier purposes, for driving tuition, used as taxis, used for racing, pace making, speed testing or in reliability trials or invalid carriages.
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.