Motor Excess Protection

Reclaim your excess, even after a fault claim

If you claim your car insurance, you’ll usually pay an excess (e.g. £300). If the accident was someone else’s fault, Motor Legal Protection can help recover it.

But for fault claims or when recovery isn’t possible, Excess Protection provides a safety net.

How it works:

• You pay your policy excess upfront

• We reimburse you up to £2,000 with Excess Protection

• Works alongside your main motor insurance cover

You can choose to add Excess Protection when setting up or renewing your policy.

For Private cars

For Policies incepted before 15^th September 2025 or renewed before 15^th October 2025

• Motor Excess Insurance Policy Wording Document
• Motor Excess Policy Wording

For Policies incepted after 15^th September 2025 or renewed after 15^th October 2025 

• Motor Excess Insurance Policy Wording Document
• Motor Excess Policy Wording

For Vans & Commercial Vehicles

For Policies incepted before 15^th September 2025 or renewed before 15^th October 2025

• Van Excess Protection Insurance Policy Wording Document
• Van Excess Protection Policy Wording

For Motorbikes

For Policies incepted before 15^th September 2025 or renewed before 15^th October 2025

• Motorbike Excess Protection Insurance Policy Wording Document
• Motorbike Excess Protection Policy Wording