Insurance policies often include an excess that you must pay towards a claim. Depending on the policy and type of claim, this can leave you with an unexpected cost at an already difficult time.
Excess Protection Insurance is designed to reimburse some or all of an eligible insurance excess following a successful claim, subject to the terms, limits and exclusions of the policy.
SynergiseUK does not sell Excess Protection Insurance or provide insurance advice. We introduce individuals, landlords and businesses to carefully selected independent insurance specialists who can explain the available cover and help you obtain a suitable quotation.
If you would like to explore your options, Start Your Enquiry to begin the process of speaking with a specialist.
What is Excess Protection Insurance?
Excess Protection Insurance is a separate policy designed to help with the excess payable under another qualifying insurance policy.
For example, if you make a successful claim on an insured policy and are required to pay an excess, you may be able to reclaim that amount through your Excess Protection Insurance, provided the claim meets the policy conditions.
The amount that can be reimbursed will depend on the policy you choose, including its maximum claim limits and the types of insurance excess covered.
It is important to remember that Excess Protection Insurance does not replace your underlying insurance. It provides additional protection specifically against eligible excess costs.
How Does Excess Protection Insurance Work?
The exact claims process varies between insurers, but typically:
- You make a claim under your main insurance policy.
- The insurer accepts the claim and applies the relevant excess.
- You pay the excess required under that policy.
- You submit a separate claim under your Excess Protection Insurance.
- If eligible, the excess is reimbursed up to the limits stated in your policy.
Claims remain subject to the insurer's policy wording, eligibility requirements and exclusions.
What Can Excess Protection Insurance Cover?
The cover available depends on the particular product and insurer.
Depending on the policy, excess protection may be available alongside insurance relating to:
- Buildings
- Contents
- Landlord properties
- Residential property
- Commercial property
- Motor vehicles
- Other qualifying insurance policies
Some policies may cover a range of excesses, while others are designed for a particular type of insurance.
A specialist can explain which excesses may be covered before you take out a policy.
Benefits of Excess Protection Insurance
Reduce unexpected claim costs
A high compulsory or voluntary excess can significantly increase the amount you need to contribute when making an insurance claim. Excess protection may help reimburse this cost.
Useful where you have a higher excess
Choosing a higher voluntary excess can sometimes affect the premium charged on an underlying insurance policy. Excess Protection Insurance may provide additional protection against having to meet that excess yourself following an eligible claim.
Additional financial protection
Insurance claims can arise unexpectedly. Having separate protection against an eligible excess could make the financial impact easier to manage.
Cover tailored to different requirements
Policies can vary considerably. A specialist insurance provider can help establish the type and level of excess protection that may be appropriate for your circumstances.
Excess Protection Insurance for Landlords
Landlords may have several insurance policies associated with their rental properties, potentially involving different excess amounts.
An excess protection policy may therefore be worth considering where a landlord wants additional protection against eligible excess costs following an insured event.
This could be particularly relevant for landlords with:
- Individual rental properties
- Multiple rental properties
- Higher insurance excesses
- Specialist landlord insurance arrangements
Portfolio landlords should check whether cover can apply across multiple properties and whether individual or aggregate claim limits apply.
Excess Protection Insurance for Homeowners
Home insurance commonly includes an excess that the policyholder must contribute towards certain claims.
Depending on the underlying policy, different excesses may apply to different types of claims for Homeowners.
Excess Protection Insurance could provide homeowners with an additional layer of financial protection by reimbursing eligible excess payments, subject to the policy terms.
Who May Consider Excess Protection Insurance?
Excess Protection Insurance may be suitable for people who:
- Have insurance policies with relatively high excesses
- Want to reduce their potential out-of-pocket costs following an eligible claim
- Own one or more rental properties
- Have buildings or contents insurance
- Want additional protection alongside an existing insurance policy
- Prefer greater certainty over potential insurance excess costs
Suitability will depend on your circumstances, existing insurance arrangements and the terms of the excess protection policy.
Important Points to Consider
Before taking out Excess Protection Insurance, it is important to understand exactly what is and is not covered.
Consider:
- The maximum amount that can be claimed
- Which underlying insurance policies qualify
- Whether compulsory and voluntary excesses are covered
- Any minimum excess requirement
- The number of claims permitted
- Policy exclusions
- Any waiting or qualifying periods
- The evidence required when making a claim
You should also check whether you already have similar protection elsewhere to avoid unnecessary duplication of cover.
A claim under Excess Protection Insurance will normally depend on the underlying insurance claim being accepted and the excess actually becoming payable.
How SynergiseUK Can Help
There can be significant differences between excess protection policies, including the types of excess covered, claim limits and eligibility criteria.
SynergiseUK provides a straightforward introduction service.
We can introduce you to an independent insurance specialist who can discuss your requirements, explain the cover available and provide further information about potential policies.
SynergiseUK does not sell Excess Protection Insurance and does not provide insurance advice. Any insurance policy is arranged directly with the relevant specialist provider and is subject to their terms, conditions, eligibility criteria and policy wording.
A Simple Introduction Process
1. Tell us what you need
Provide some basic information about the type of insurance and excess you would like to protect.
2. We make an introduction
We introduce you to a relevant independent insurance specialist.
3. Discuss the available cover
The specialist can explain available policies, costs, limits and exclusions.
4. Decide whether to proceed
There is no obligation to take out a policy simply because an introduction has been made.
Why Choose SynergiseUK?
Finding the appropriate specialist can take time, particularly where your insurance requirements are less straightforward.
SynergiseUK is a professional referral network connecting individuals and businesses with carefully selected independent specialists throughout the UK.
Using our network can help you:
- Save time searching for an appropriate specialist
- Access providers experienced in different insurance requirements
- Discuss more complex or specialist circumstances
- Understand the next steps before deciding whether to proceed
- Access other related products and professional services through one network
We make the introduction. The insurance specialist will deal with the policy, quotation and any insurance-related advice.
Protect Yourself Against Unexpected Insurance Excess Costs
If you are concerned about having to meet a substantial insurance excess following a claim, Excess Protection Insurance may be worth considering.
SynergiseUK can introduce you to a specialist who can explain the available options and provide a quotation based on your requirements.
Start Your Enquiry or Enquire today with no obligation to begin the process of speaking with a specialist.
Frequently asked Q&A's
A policy that reimburses the insurance excess payable on a property claim, reducing out-of-pocket costs.
High excess amounts on property, buildings, or contents insurance can be expensive; this cover ensures you are reimbursed.
Optional — some policies include accidental or unforeseen damage to buildings or contents.
Yes — tenants can use it to cover any excess payable under tenancy agreements.
Absolutely — it protects landlord liabilities, including property, contents, and tenant-related claims.
Optional — some providers include cover for emergency property repairs after a claim.
Yes — it ensures any excess due from claims during transactions is reimbursed.
Costs depend on property type, excess amount, and optional cover. Tailored quotes provide accurate pricing.
Yes — portfolio coverage can be arranged for landlords managing multiple units.
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