Buy car insurance with us and we’ll refund your excess if you make a claim[1]

[1] Up to £250 refunded when you claim. UK residents. Comprehensive car insurance only. Excludes breakdown, windscreen and glass repair / replacement. Full T&Cs apply

[1] Up to £250 refunded when you claim. UK residents. Comprehensive car insurance only. Excludes breakdown, windscreen and glass repair / replacement. Full T&Cs apply

We think the right insurance should always cost you less

That’s why we’re giving you £250 free excess protection. If you ever need to make a claim, your excess protection will cover some or all of the cost of your excess.

We hope the worst doesn’t happen. But if it does, we’re here for you when you need to claim - we don’t want you left out of pocket.

When it matters, GoCompare with up to £250 off your excess, for free

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How it works

When you buy car insurance it’s usually sold with an excess. It’s what you have to pay towards the cost of a claim you make with your insurer.

It’s made up of two parts; the compulsory excess that’s set by your insurer and the voluntary excess, which you choose to pay on top. Sometimes there’s an additional excess for young or inexperienced drivers too.

Your free excess protection 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.

What’s covered

If you need to pay an excess, you’ll be refunded up to £250 for:

  • Damage to your car, if you’re at fault and have comprehensive insurance
  • Claims for fire or theft
  • Uninsured driver claims

What’s not

When you won’t be able to use your free excess cover:

  • Claims where you don’t have to pay an excess
  • Repairs to your own car if you’ve got third party only or third party, fire and theft cover
  • To cover the excess for windscreen repair and replacement
  • To cover the excess for damage caused by a breakdown or misfuelling
  • To cover the excess on claims from outside the UK

How to get your free excess cover:

  1. Compare and buy car insurance with us

  2. We’ll email you with a link to claim your excess protection policy

  3. Fill out one simple form and you’re covered

To claim your free excess cover, you need to be a UK resident over 17 years old. Terms apply.

Frequently asked questions

  • It's free? What’s the catch?

    We believe the right insurance should always cost you less - and that includes not having to worry about a giant excess if you're unfortunate enough to need to make a claim.

  • How do I claim my free excess protection cover?

    After you buy your car insurance through us you'll get an email. Click the link and fill in your details.

  • How much free excess protection will I have?

    Your free excess protection 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.

  • When does my cover start?

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

  • Can I have multiple excess protection policies?

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

  • Will my car insurance premiums go up if I make a claim on my excess protection policy?

    If you’ve made a claim on your car insurance policy, and then claimed back your excess on the excess protection policy, it’s likely that it’ll increase.

  • Will I keep the free excess protection if I cancel my car insurance policy?

    No. If you cancel your car insurance, your excess protection cover will also be cancelled. This also goes for if your insurer cancels or voids your policy.

  • 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 protection only applies to the car you bought insurance for with GoCompare, so it won't apply to any other cars you drive.

  • 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 protection 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).

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Guides about excess and making claims

Terms and conditions

1. For the purposes of these terms and conditions, the following terms shall have the following meanings:

  • 1.1. Act of God: means flood, drought, earthquake or other natural disaster, epidemic or pandemic, civil war, civil commotion or riots, war, armed conflict or nuclear, chemical or biological contamination;
  • 1.2. Cover Period: means the lesser of:
    (a) the duration of the Qualifying Car Insurance Policy; or
    (b) twelve (12) months from and including inception of the Free Excess Protection Policy;
  • 1.3 Eligible Customer: means any customer who is 17 years of age or older and resident in the Territories;
  • 1.4. Excluded Event: means any claim under the Qualifying Car Insurance Policy in respect of an Act of God or a breakdown event or for windscreen or other window repair or replacement;
  • 1.5. Free Excess Protection Policy: means a free excess protection policy underwritten by the Underwriter which shall provide excess protection of up to £250.00 during the Cover Period;
  • 1.6. GoCompare: means Gocompare.com Limited (a company incorporated in England and Wales under company number 5799376 and whose registered office is at Imperial House, Imperial Way, Newport NP10 8UH);
  • 1.7. GoCompare Reference Number: means the reference number attributed by GoCompare to any car insurance quote obtained via the GoCompare Website;
  • 1.8. GoCompare Website: means www.gocompare.com;
  • 1.9. Provider: means Atlanta1 Insurance Services Limited (a company incorporated in England and Wales under company number 3642372 and whose registered office is at Nile Street, Burlem, Stoke-on-Trent ST6 2BA);
  • 1.10. Qualifying Car Insurance Policy: means an insurance policy providing comprehensive or third-party, fire and theft cover (but excluding an insurance policy providing third-party cover only) in respect of a private or commercial motorised car or van and whose excess is £0.01 or greater purchased by an Eligible Customer as a result of that customer obtaining car insurance quotes via the GoCompare Website and then purchasing a car insurance policy either via the GoCompare Website or by telephone with the insurer directly PROVIDED THAT where a car insurance policy is purchased by an Eligible Customer by telephone with an insurer directly, that customer shall provide the insurer with a valid GoCompare Reference Number before the car insurance policy is purchased;
  • 1.11. Qualifying Period: means any period during which GoCompare shall promote this offer via the GoCompare Website;
  • 1.12. Territories: means England, Wales, Scotland, Northern Ireland, the Isle of Man or the Channel Islands; and
  • 1.13. Underwriter: means Inter Partner Assistance SA (a UK establishment of an overseas company with UK establishment number BR000947 and whose UK establishment office address is at The Quadrangle, Redhill, 106-118 Station Road RH1 1PR).

The offer

2. Only Eligible Customers who purchase a Qualifying Car Insurance Policy at any time during the Qualifying Period shall be entitled to receive a Free Excess Protection Policy.

Redemption

3. A Free Excess Protection Policy will be automatically awarded to all Eligible Customers who GoCompare is able to verify have purchased a Qualifying Car Insurance Policy at any time during the Qualifying Period. In all other cases, in order to redeem a Free Excess Protection Policy Eligible Customers must either:

  • 3.1. follow the steps for redemption set out in any email which may be sent by or on behalf of GoCompare for that purpose (including, without limitation, within any relevant timescales for redemption set out in that email); or
  • 3.2. follow the steps for redemption set out in the Eligible Customer’s MyGoCompare account available via the GoCompare Website (including, without limitation, within any relevant timescales for redemption set out in the Eligible Customer’s MyGoCompare account).

Claims

4. Eligible Customers who make a valid claim under a Free Excess Protection Policy shall be entitled to a reimbursement of any excess paid to the insurer named on their Qualifying Car Insurance Policy up to a maximum of £250.00 during the Cover Period.

5. In order to make a valid claim under a Free Excess Protection Policy, an Eligible Customer must:

  • 5.1. be named as the insured on the Qualifying Car Insurance Policy;
  • 5.2. first make a valid claim under the Qualifying Car Insurance Policy in respect of an insurable event taking place within the Territories;
  • 5.3. have already paid and be able to provide proof of payment of any excess due to the insurer under the Qualifying Car Insurance Policy; and
  • 5.4. provide the Underwriter with notice of his or her claim under the Free Excess Protection Policy not more than six (6) months following the date on which any claim under the Qualifying Car Insurance Policy is settled.
  • 6. Any claim under the Qualifying Car Insurance Policy in respect of an Excluded Event shall not constitute a valid claim under the Qualifying Car Insurance Policy for the purposes of this offer.

Verification

7. If GoCompare is unable to verify an Eligible Customer’s purchase of a Qualifying Car Insurance Policy, GoCompare reserve the right to revoke any Free Excess Protection Policy which is issued.

8. It is always GoCompare’s aim to provide the best possible service. However, any complaints about the way in which a Free Excess Protection Policy was sold should be directed to GoCompare at feedback@gocompare.com. Any complaints in respect of the handling of any claim made under a Free Excess Protection Policy should be directed to the Underwriter at quality.assurance@axa-assistance.co.uk.

Legal

9. By redeeming a Free Excess Protection Policy, you will be deemed to have accepted and agreed to be bound by these terms and conditions.

10. GoCompare reserves the right to withdraw, cancel, suspend or amend this offer at any time.

11. Personal data supplied in connection with this offer will only be processed by GoCompare in accordance with the terms of GoCompare’s privacy policy. Any personal data provided to the Provider or Underwriter will be processed in accordance with the Provider’s or Underwriter’s privacy policy (as applicable).

12. These terms and conditions and any dispute or claim arising out of them shall be governed by and construed in accordance with the laws of England and Wales and the parties irrevocably submit to the exclusive jurisdiction of the courts of England and Wales.

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