Excess Protector Insurance
Wouldn't it be great if someone paid my Excess for me!
Most drivers are happy carrying a £100 to £350 policy excess on their vehicle insurance policy. Your Insurance Company gave you a discount off the premium because you agreed to pay the excess if you had a bump in your car. Well let's face it if I had a small incident in the vehicle, I would just pay for the damage myself and not bother the insurers about it. In any case I would lose a portion of my No Claims Bonus so I would be worse off overall.
Even if I had a bigger claim I can handle the excess as a one off expense and if the claim wasn't my fault I will get it back from the other motorist insurers.
I 'have been driving years without any claims or losses so I might as well get the discount off my premium and save some money!
These are really good reasons to have an excess on your policy, but what I need to explain is what if I agreed to pay your excess for you, regardless of how the claim happened. It could be a theft, fire claim, fault accident or a non-fault accident, it wouldn't matter how or what happened for you to make a claim, our policy would pay your policy excess for you.
Many of our customers are switching onto this type of cover, for a very small premium, paid annually we will pay your policy excess.
Think about this for a moment, What if you were a Young Driver with £1000 or £2000 policy excess and the car was stolen, having someone to pay your excess would I think be of interest to you, particulary as the premiums to have this cover is not expensive. Also bear in mind that all drivers under 25 years of age driving, or drivers who have held their Full UK Licence for less than 1 year will have a compulsory excess to pay in addition to the standard policy excess. If you son or daughter is driving the family car and had an accident or loss the excess if they were driving or in charge of the vehicle could be quite chunky.
Many vehicles, because they are classed as sporty, or very expensive to repair attract a compulsory high excess by the insurers of say £500 or more. Where the excess is compulsory imposed by the insurers you have no say in the matter, that's what the insurers will apply if you make a claim against the policy.
Drivers who use their vehicle for work are also subject to compulsory excesses and depending on the tonnage of the vehicle, there are many instances were working vehicles likes, taxis, trucks, HGV vehicles and the like will carry a heavy excess on their policies.
This is what you need to consider..
Protection is meaningless after the accident. And think of it. We are all one mishap away from paying an excess which we can pay for you.
One of our clients was paying over a £1500 o insure his car, he agreed to let us quote a premium to him with a £1000 excess on the policy, he made a saving of £275 in his premium. But here's the clever bit, he asked for an Excess Protector Policy and paid 75 for £1000 of cover. This means he no longer has an excess on his policy, this is now NIL EXCESS and he saved £200 in his premium. How cool is that?
This arrangement can even work with much lower premiums, let us help you find out how much discount we can get off your vehicle policy by having a big excess, we will check how much ££££ you will save and compare that saving to the cost of the Excess Protector Insurance policy. If you end up saving money on your vehicle insurance and having no Excess to pay then I think you will agree that's about a sweet a deal you will find anywhere.
Let our Motor Insurance experts at Crosby Insurance Brokers get you a free no obligation quote, with our Free Review service just call 0191 5657590 and speak to our team who will do the comparison for you, it's easy and doesn't take long, to find you a great vehicle insurance deal.