Motor Excess Protection

Turn excess risk into a value add that keeps customers coming back

Motor Excess Protection reimburses the excess your customers pay when they make a claim, across cars, taxis, commercial vehicles, and more. One simple product, one less cost for your customers to worry about, and a retention-driving add-on for your proposition.

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Protect Customers From the Cost of Their Excess

When a customer claims on their motor policy, they still have to pay the excess, sometimes a significant amount, before their insurer settles the rest. Motor Excess Protection covers that cost, reimbursing the excess paid up to the limit selected, so a claim doesn't leave the customer out of pocket on top of everything else. With excess protection in place, customers can choose to raise the excess on their main policy, potentially lowering their premium, while still knowing they're covered if they need to claim.

  • Any Number of Claims

    Customers can claim as many times as they need to within their policy year, provided the total paid out doesn't exceed their limit of cover.

  • All Common Incident Types Covered

    Excess is reimbursed on claims for accidental damage, fire, flood, theft, and attempted theft, so customers are covered whatever the circumstances of their claim.

  • Excess Paid in Full, Up to the Limit

    Customers are reimbursed either the full value of their excess or their selected limit of cover, whichever is lower.

  • Fits Alongside Any Motor Policy

    This is a standalone policy that works alongside the customer's existing motor insurance, whoever they're insured with, with no changes needed to their main policy.

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What Counts as a Valid Claim

Motor Excess Protection reimburses the excess across the claim types that matter most to your customers.

  1. Accidental Damage

    Cover for the excess paid following a claim for accidental damage to the insured vehicle.

  2. Fire

    Cover for the excess paid where a claim arises from fire damage to the vehicle.

  3. Theft

    Cover for the excess paid where the vehicle is stolen and a claim is made on the main motor policy.

  4. Attempted Theft

    Cover for the excess paid where an attempted theft results in damage to the vehicle and a valid claim.

Want to know more? Speak to our team about Motor Excess Protection.
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A Wide Range of Vehicles Covered

Motor Excess Protection isn’t limited to standard private cars. It’s built to flex across the vehicle types your customers actually drive:

  • Private cars
  • Taxis
  • Commercial vehicles
  • Motorcycles
  • Family fleet (up to 5 cars)

Whatever mix of vehicles sits within your book, Motor Excess Protection can be configured to cover it.

Talk To Our Team About Motor Excess Protection

Why choose Coplus

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Trusted Motor Ancillary Partner

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  • Industry experience since 1988

    Excess protection is a simple product to explain, but getting the claims experience right matters just as much as the cover itself. Our long-standing experience in motor ancillary products means partners get a proposition that's easy to sell and easy for customers to trust.

  • Over 1 million policyholders protected

    Supporting customers with a comprehensive suite of compliant, value-added ancillary products, designed to deliver confidence when it’s needed most.

  • In-house claims management expertise

    We oversee excess claims from first contact through to payment, using the same in-house teams behind our wider claims services, so the experience reflects well on your brand at every step.

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Frequently asked questions

Motor Excess Protection FAQs

What does Motor Excess Protection cover?

It reimburses the excess a customer pays when they make a valid claim on their main motor insurance policy, for accidental damage, fire, theft, flood or attempted theft, up to their selected limit of cover.

Is there a limit to how much can be claimed back?

Yes. Customers choose a level of cover when they buy, and the total amount claimed per policy year cannot exceed this amount.

How many times can a customer claim in a policy year?

Customers can claim more than once in a policy year, up to the limits set out in their policy wording.

How does a customer make a claim?

Claims are handled in-house by Coplus’ 24/7 contact centre. Customers can claim by phone or using the online claim form.

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Trusted By Brokers and Insurers Across The UK

We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.

  • Affinity & Partners

    Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.

  • Brokers

    Enhance customer value through flexible products, claims expertise and operational support.

  • Insurers & MGAs

    Access governed products, scalable claims operations and flexible distribution solutions.

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