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

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.

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 you buy car insurance through us, your excess cover will start on the same day.

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.

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.

You can have one excess cover policy for every car insurance policy you buy through us.

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.

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.

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.

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.

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.

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).

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.

As long as the date of the incident was within the term of your car insurance policy your excess cover will still apply.

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.

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.

No. Our free excess cover has a limit of up to £250 in the policy period.

No. You’ll need to compare and buy car insurance with us again if you want excess cover for another year.

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 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.

If you don’t want free excess cover anymore, just send us an email and we’ll cancel your policy for you.

Accidental loss or damage claims aren't covered.

You've got up to £250. So if your total excess is £300, you’ll pay this to your insurer, and then we’ll refund you £250.
If your excess is less than £250 you can claim more than once on your excess cover if you need to. For example, if your excess was only £50, you could make up to five claims.

It's not a problem. It just means you can claim more than once on your home excess cover if you need to.
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).

Our free home excess cover is there for totally unexpected claims - like needing to replace a weather damaged roof, for example - as we believe that's where it will be the most helpful.

You can have one excess cover policy for every home insurance policy you buy through us.

Our free home excess cover only includes valid claims for the home covered under the insurance policy you bought through GoCompare.

When you buy home insurance through us, your home excess cover will start on the same day.

Your documents should appear in the excess policy hub in around five to eight weeks after you've bought home insurance with us. But if it’s been more than nine weeks, let us know.

Your premiums won’t go up because you’ve claimed on your home excess cover. But they probably will in the future because you’ve made a claim on your home insurance.

If you cancel your home insurance within the first 14 days, we’ll cancel your home excess cover too.

If you don’t want free home excess cover anymore, you can cancel your policy through the management portal.

If you cancel your home insurance, we’ll cancel your home excess cover too. That’s because your excess cover runs alongside your home 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.

No. You'll need to compare and buy home insurance with us again if you want free home excess cover for another year.

No - your car insurance excess cover doesn't cover home insurance claims and vice versa.

You can update your details through the home excess cover management portal.

If you are planning to move, you will need to check with your current home insurer to make sure you are covered.
If you need to buy home insurance for your new home, you will need to compare and buy through GoCompare to qualify for free home excess cover.

Home excess cover is provided by GoCompare and arranged by Coplus. The policy is underwritten by Astrenska Insurance Limited. You can check this on the FCA website by visiting https://register.fca.org.uk/s/

The offer ends on 31 December 2021, but you have until 14 January 2022 to download your free digital magazine issue.

We’ll send you an email 48 hours after you’ve compared home insurance and viewed your preferred policy on the insurer’s site through us. There will be a link to our offer page in this email.

Choose which publication issue you’d like to receive and you’ll be taken to the download hub.

Pop in your name and email address to receive the download code for your free issue. You have until 14 January 2022 to download your free copy, so don’t spend too long picking your favourite magazine!

If you’ve compared home insurance and viewed your preferred policy on the insurer’s site through us, you can download your free digital magazine here.