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Monday to Friday, excluding bank holidays
We aim to reply to your query within three working days
What's excess cover?
If you need to claim on your car insurance and have to pay an excess, the free excess cover will refund the cost of the excess up to £250
How do I get my free excess cover?
It’s simple. Just compare and buy car insurance with us, and we’ll do the rest. We’ll email your policy documents between five and eight weeks after you bought car insurance with us. If it’s been more than nine weeks, let us know.
How much free excess cover will I have?
Your free excess cover from us covers these costs, up to £250. So, if your total excess is £300, you’ll pay this to your insurer, and then we’ll refund you £250 once your claim is settled.
When does my cover start?
When you buy car insurance through us, your excess cover will start on the same day.
Does my car insurer provide the excess cover?
No. It's provided by Gocompare and administered for us by Atlanta1 Insurance Services Ltd which is authorised and regulated by the Financial Conduct Authority, number 308213.
The policy is underwritten by Inter Partner Assistance SA UK Branch (IPA) which is fully owned by the Axa Assistance Group. Inter Partner Assistance SA is a Belgian firm authorised by the National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority. Inter Partner Assistance SA firm register number is 202664. You can check this on the Financial Services Register by visiting the website www.fca.org.uk/register.
Will my no-claims bonus be affected by claiming on the excess cover policy?
The excess protection policy doesn't offer any protection for your no-claims bonus, so it's likely to be affected if you make a fault claim. There is no no-claims bonus earned on the excess protection policy itself.
Will my car insurance premiums go up if I make a claim on my excess cover policy?
Your premiums won’t go up because you’ve claimed on your excess cover. But they probably will in the future because you’ve made a claim on your car insurance.
Can I have multiple excess cover policies?
You can have one excess cover policy for every car insurance policy you buy through us.
Can an additional named driver on my policy claim?
Yes. The policy covers the excess paid on your car insurance policy and this excess would still apply to additional named drivers – so they’d benefit from the excess cover.
What happens if I change my car?
So long as you just change your car, and keep your insurance, your excess cover’s still valid.
You need to let us know if you change your car. Please send us an email with your new car’s make, model and registration number.
If you change your car and insurance provider, your excess cover will end when your car insurance ends.
Will I keep the free excess protection if I cancel my car insurance policy?
No if you cancel your car insurance, your excess cover will also be cancelled. This also goes for if your insurer cancels or voids the policy.
How do I claim on my free excess cover?
To get a refund on your excess, you’ll need to claim it back online. You’ve got six months from when your car insurance claim gets settled to get your excess back.
You’ll need your scheme code: 10536
And these documents to hand:
How many times can I claim?
You can claim as many times as you need to, as long as you don't exceed the £250 annual policy limit. Once you've made claims totalling the £250 limit the policy will end and won't pay out again.
Can I claim if I have an accident in another car?
No. The excess cover only applies to the car you bought insurance for with GoCompare, so it won’t apply to any other cars you drive.
Does my excess cover policy cover claims for acts of god and criminal damage?
If your car insurance policy covers these claims and an excess is applied, your excess cover policy can be used, as long as the claim isn’t solely for breakdown, windscreen repair/replacement or glass repair/replacement.
What if the excess on my car insurance policy is less than £250?
It’s not a problem – it just means you’ll be able to claim more than once on the excess cover policy if you needed to. So if your excess is £100, you could claim a maximum of three times: twice for £100 and once for £50 (paying the other £50 excess on that claim yourself).
Can I have the free policy if I already have excess cover?
If your excess is covered by any other insurance then this policy would only pay out a proportionate share of the claim. All policies will together only pay out a maximum of the total excess - it's fraud to attempt to profit by claiming for your excess more than once.
What if my car insurance and excess cover policy end while the claim's still ongoing?
As long as the date of the incident was within the term of your car insurance policy your excess cover will still apply.
It's free? What's the catch?
Claiming on your car insurance is stressful enough without the added cost of your excess – and we want to help with that. That’s why we’re giving you free £250 excess cover. There’s no catch - if you ever need to make a claim on your car insurance and have to pay an excess, it’ll cover some or all of the cost of your excess, up to £250.
Why don’t I qualify for free excess cover?
You'll only get the free excess cover if you complete a full car insurance quote from us and buy through us as well. You'll also need to be at least 17 years old and have an excess on your car insurance policy. See our full terms and conditions for more.
Can I increase the level of cover?
No. Our free excess cover has a limit of up to £250 in the policy period.
Does my free excess cover automatically renew year on year?
No. You’ll need to compare and buy car insurance with us again if you want excess cover for another year.
Will I need to give card or account details?
No. The excess cover is completely free, so you don't need to provide your card or account details. All you need to do is quote and buy your car insurance through GoCompare and you will be eligible for the free excess cover.
If I claim will you guarantee a pay out?
If you have to make a claim under your car insurance policy and you've paid your excess, you will be able to claim under the excess cover - make sure you have proof of payment.
How do I cancel my free excess cover?
If you don’t want free excess cover anymore, just send us an email and we’ll cancel your policy for you.
My free excess cover has been cancelled, why is that?
If you cancel your car insurance, we’ll cancel your excess cover too. That’s because your excess cover runs alongside your car insurance. We’ll send you an email confirming this has happened.
Sometimes we have to cancel policies for reasons we can’t always explain, but that’s very rare.
Didn't find the answer to your question? Get in touch.
Monday to Friday, excluding bank holidays
We aim to reply to your query within three working days