Type of Insurance and Cover

Excess Protection Cover

The Excess Protection Policy provides insurance to cover reimbursement, up to the Sum Insured, for Your Excess under Your Motorcar, Motorcycle or Light Commercial Vehicle (LCV) Insurance Policy following the successful settlement of a claim in respect of malicious damage, fire, theft incident or Total Loss.

Significant Features and Benefits:

• Up to £500 in respect of Your Excess which You will have paid under Your Motorcar, Motorcycle or Light Commercial Vehicle (LCV) Insurance Policy. (Definitions: Excess, Sum Insured & What is Not Covered? 1.)
• Covers any named drivers on Your Motorcar, Motorcycle or Light Commercial Vehicle (LCV)  Insurance Policy ( Definitions: Insured Person/You/Your)
• For residents of Great Britain and Northern Ireland only (Definitions: Insured Person/You/Your)

Significant and Unusual Exclusions or Limitations:

The following are not covered under this Policy

·         Any claim where the sum total cost of the Insured Incident does not exceed Your Excess under Your Motorcar, Motorcycle or Light Commercial Vehicle (LCV) Insurance Policy (What is Not Covered? 1.)

• Any claim where the Motorcar, Motorcycle or Light Commercial Vehicle (LCV)  Insurance Company do not provide indemnity under the terms of their policy (What is Not Covered? 6.)
• Any claim reported to Us more than 30 days after the date of the insured incident (What is Not Covered? 8.)