Taking out a car insurance policy almost guarantees that you agree to an excess, an amount you must pay for a claim before an insurer shoulders the remaining cost. Your insurer might automatically apply the excess, or you could volunteer for it. 

Some people get a voluntary excess to secure a more favourable premium. However, some situations could make it hard for you to meet the payable excess. An expensive car, for instance, would cost a lot to repair following a road traffic accident. Here is what you should know about insurance excess.

How you benefit from this insurance add-on

For damage your vehicle incurs in an accident, you only need to pay the amount in your insurance excess. For example, if your car has £2,000 worth damage and your excess is £250, you only need to pay £250. Your insurer will pay £1,750 of the repairs, and the computation works to your favour.

Your insurance company also benefits when you accept a high voluntary excess. Though it reduces your premium, you would be shouldering more of the cost for future claims. As such, you reduce the insurer’s losses. The company assumes you have an incentive to keep more of your resources and would therefore be more careful in driving.

How excess affects car accident claims

We can’t predict when we will figure in an accident. If you find yourself in those unfortunate circumstances and it wasn’t your fault, you can claim compensation from the other party’s insurers. Even if you don’t have insurance excess, you will get coverage.

However, if you had caused the accident, you cannot do the same. It benefits you and gives you peace of mind to obtain excess protection insurance and keep updated on payments. You can even take excess insurance alongside a standard one for your car, and it does not need to be expensive. Source it through a broker to ensure the best rates.

How car hire benefits from excess protection

If you travel a lot, whether for work or leisure, you have probably rented or looked into renting a vehicle. See if your car hire has adequate insurance; some countries require companies to include some form of insurance, and it does not hurt to check.

These car hire companies’ basic plans cover vehicle theft, injury, property damage, and even damage to a third party. However, they hang hefty price tags on car hires, charging excesses of £500 to £1,500. Before leaving for another country, buy excess protection. If you have an untoward incident, you can claim back the excess.

Expect suppliers to ask you to use a credit card when putting a deposit on a car hire abroad. Should you figure in an accident, the rental firm would deduct the possible cost of repairs from the guarantee. You can show this to your insurance provider when you get back home.


Insurance policies give you peace of mind when driving. However, it is not enough to get a standard insurance plan; excess protection allows you to shoulder unexpected costs without having to pay out of pocket.

Get the best options for excess protection insurance from Road to Recovery. We provide accident claims management in the UK, helping car owners protect themselves and their families from unexpected incidents. Contact us today for more information.