Home Excess Protection
One less cost to worry about when something goes wrong at home
Home Excess Protection works alongside a customer's home insurance policy to cover the cost of the excess if they need to make a claim. It's suitable for homeowners and tenants alike, and can even give customers the confidence to raise their voluntary excess and potentially lower their premium.
Protect Customers From the Cost of Their Excess
When a customer claims on their home insurance, they still have to pay the excess before the rest of the claim is settled, whether that excess is voluntary or set by the insurer. Home Excess Protection reimburses that cost, so a claim doesn't leave the customer out of pocket on top of everything else.
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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.
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Covers All Incidents
Cover applies to any settled claim under the customer's home insurance policy, rather than being limited to specific causes of damage.
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Homeowner or Tenant
The product is suitable for people renting a property as well as homeowners, so it works across a wide range of customer circumstances.
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Excess Reimbursed Up to the Limit
Customers are reimbursed either the full value of their excess or their selected limit of cover, whichever is lower.
what the policy covers
Choosing the Right Level of Cover
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Buildings Excess Protection
Cover towards the excess you’re required to pay following an accepted claim on your home buildings insurance.
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Contents Excess Protection
Cover towards the excess payable following an accepted claim on your home contents insurance.
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Accidental Damage Excess
Helps cover the excess payable where an accidental damage claim is accepted under your home insurance policy.
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Added Financial Protection
Helps reduce the burden of the unexpected cost of paying an insurance excess when you need to make an eligible home insurance claim.
who it’s for
Built for Homeowners, Tenants and landlords alike
Home Excess Protection isn’t limited to people who own their property outright, it’s built to work for anyone with a home insurance policy in place.
Homeowners
Customers with buildings or contents insurance can protect themselves against the cost of their excess, whatever the claim.
Tenants
Renters with their own contents insurance can benefit in exactly the same way, without needing to own the property they live in.
Landlords
Landlords insuring rented property can use the same protection against the excess on their own buildings or landlord insurance policy.
Why choose Coplus
Trusted Property 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 property ancillary products means partners get a proposition that's easy to sell and easy for customers to trust.
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Flexible eligibility built around real households
Whether a customer owns their home, rents it, or lets it out to someone else, the product is designed to fit their circumstances rather than excluding them.
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In-house claims management expertise
We manage 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.
Our range of property ancillary products
Related Property Products
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Gadget Insurance
Comprehensive cover for loss, theft and accidental damage of smartphones, tablets, laptops and other everyday gadgets.
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Home Emergency Cover
Access to a qualified, approved tradesperson, day or night, when something goes wrong at home.
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Key Insurance
Cover for lost, stolen or broken keys, for both home and vehicle, as modern keys become costlier to replace.
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Tenant’s Liability
Protects tenants against the cost of accidental damage to their landlord’s property, including buildings, household goods and furniture.
Frequently asked questions
Home Excess Protection FAQs
What does Home Excess Protection cover?
It reimburses the customer their policy excess (up to their level of indemnity) following a successful claim on their home insurance policy.
Is there a limit to how much can be claimed back?
Yes. Customers choose a level of cover when they buy the policy, and claims are paid up to that limit.
How many times can a customer claim?
Customers can claim more than once during the policy year, but we will only reimburse up to the total limit set out in the policy schedule.
Is this product only for homeowners?
No. It suits anyone with a home, buildings or contents insurance policy that carries an excess, subject to the eligibility terms in the policy.
Does this cover both voluntary and compulsory excess?
Yes. It covers the total excess paid on a valid home insurance claim, both voluntary and compulsory, up to the selected limit.
Does this product work with any home insurer?
Yes. It works alongside any UK home insurance policy, whoever the main insurer is.
Get in touch
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.
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Affinity & Partners
Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.
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Brokers
Enhance customer value through flexible products, claims expertise and operational support.
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Insurers & MGAs
Access governed products, scalable claims operations and flexible distribution solutions.
Talk directly with the team
We aim to respond within 2 working days