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Free excess cover

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

Free £250 excess cover, only with GoCompare

Claiming on your car insurance is stressful enough without the added cost of your excess. And we want to help with that.

There's no catch. If you need to claim, your free excess cover will refund up to £250 of your excess.

Don’t worry. We haven't hidden the cost in your quotes.

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.

It's made up of two parts: compulsory and voluntary. Your insurer sets the compulsory excess. The voluntary excess, you choose to pay on top. Sometimes there's an additional excess for young or new drivers too.

Your free excess cover will refund up to £250 of your excess. Let's say your total excess is £300. You pay this to your insurer, then we refund up to £250 after your claim's settled.

What’s covered

We'll refund up to £250 of your excess 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:

  • Repairs to your own car, without comprehensive cover
  • Windscreen repair and replacement
  • Damage caused by a breakdown or misfuelling
  • Claims from outside the UK

Join over 1 million customers with free £250 excess cover[2]

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[2]Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.

How to get your free excess cover

Claiming on your car insurance is stressful enough without the added cost of your excess – and we want to help with that.

  1. Compare and buy car insurance with us

  2. We’ll email you a link to activate your excess cover

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

How to activate your free £250 excess cover

Follow the five steps in the video below to activate your excess cover.

Make a claim on your 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:

  • Schedule of insurance for your excess cover
  • Proof you’ve paid your excess
  • Settlement letter from your insurer
  • Certificate of motor insurance

Get help making a claim

Just call our dedicated team on 0330 123 3540. We’re on the phone Monday to Friday 9am - 5pm.

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Frequently asked questions

  • It's free? What’s the catch?

    There’s no catch - if you ever need to make a claim, your free excess cover will cover some, or all, of the cost of your excess, up to £250.

    Claiming on your car insurance is stressful enough without the added cost of your excess – and we want to help with that.

  • How much free excess cover will I have?

    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.

  • When does my cover start?

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

  • Can I have multiple excess cover policies?

    You can have one excess cover 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 cover policy?

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

  • Will I keep the free excess cover 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 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 cover 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 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).

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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 Cover;
  • 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 Cover: means a free motor excess insurance 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, Burslem, 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 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 UK Branch 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.

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 the Free Excess Cover.


Activation

3. Free Excess Cover 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 activate the Free Excess Cover Eligible Customers must either:

  • 3.1. follow the steps for activation 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 activation set out in that email); or
  • 3.2. follow the steps for activation 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 the Free Excess Cover 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 the Free Excess Cover, 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 Cover 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 Cover which is issued.

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


Legal

9. By activating the Free Excess Cover, 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.

Version 2

Guides about excess and making claims

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