Excess explained
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Buy car insurance with us and we’ll refund your excess if you make a claim[1]
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.
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.
We'll refund up to £250 of your excess for:
When you won’t be able to use your free excess cover:
£4 million refunded to customers with free excess cover[2]
Compare now[2]Based on Go.Compare analysis of successful claims, August 2019 - June 2022.
Compare and buy car insurance with us
We’ll email your policy documents shortly after
Check all your details are right, and you’re good!
To get a refund on your excess, you need to claim it back online. Your claim will be handled by Inter Partner Assistance SA UK Branch, part of the AXA Assistance Group.
You need to wait until your car insurance claim has been settled. Ask your insurer for a settlement letter too.
You’ve got six months from when your car insurance claim gets settled to get your excess back.
You’ll need to select GoCompare from the 'Scheme name' drop-down list and have these documents to hand:
Making a claim is straightforward. You should be able to fill out the online form in about ten minutes.
Once you've submitted your claim, and it's been approved, expect to get your refund within five working days.
If you purchased your policy before 01/05/2023 and wish to view the terms and conditions for our excess protection offer, please click here.
1. For the purposes of these terms and conditions, the following terms shall have the following meanings:
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.
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.
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:
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 or excessclaims@coplus.co.uk (as applicable per clause 1.13 above).
9. By opting in to receive the Free Excess Cover when obtaining car insurance quotes via the GoCompare Website, 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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