Car Excess Insurance

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).

Our underwriters for this Excess policy are AXA, Fortegra Europe Insurance Company 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.

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

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

Yes, the claim limit options are from £250 to £2,000. 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.

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.

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.

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.

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

Please contact the Claims Handler as soon as You become aware of a potential claim: –

• by emailing claims@defendinsurance.co.uk
• by website www.defendinsurance.eu/excessclaim/
• by telephone: 01614514803

Return all required information to the Claims Handler: –

• Evidence the excess amount has been paid to your motor insurer following your claim
• Evidence that your claim with your main insurer has been settled stating that you were at fault
• Certificate of motor insurance policy that you have paid the excess on.
• The policy schedule of motor excess protection policy or documentation detailing excess cover

Please note that information the Claims Handler may reasonably require must be received within ninety (90) days. If it isn’t, the Claims Handler will attempt to assess Your claim however it may be difficult for them to investigate and settle your claim adequately.

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.

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

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.

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

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

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.

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