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The below FaQ’s do not apply to Car Hire excess insurance – please refer to the appropriate link if selecting Car Hire Excess.

Looking for an answer for a particular question about excess insurance or ExcessFree? If so, below you will have the most frequently asked questions that we have encountered. If you cannot find the answer you are looking for below please don't hesitate to get in touch.

Excess insurance works alongside your normal insurance policy. If you have to make a claim, excess insurance covers the cost of your excess. Always remember to read the small print and check exactly what you will be covered for.

Should you need to claim under your policy, you should do so by phoning our claims handling company on (03301) 026056. Our claims handlers will send you a claim form to fill in and send back. They will also inform you of which additional documentation you will need to provide in order to validate your claim.

For full details of how to claim please see our 'How To Make A Claim' page.

Yes, you can claim on multiple policies. However the lifestyle policy will only cover your excesses up to the maximum chosen excess limit on the lifestyle policy.  However if the excesses on your main insurance policies have not been exceeded, then it will not be covered by your lifestyle excess policy.

An example: Based on a £500 lifestyle excess.

  • You have a health insurance policy/car insurance/home insurance with a £500 excess
  • You make a claim which costs £1,200
  • Your insurance pays £700 of the cost. You pay the £500 excess
  • You claim back the £500 excess from your lifestyle excess policy.

You can buy this insurance policy for a term of 1 year.

ExcessFree insurance promises to beat the price of any comparable excess insurance policy in the event a lower quotation is gained from elsewhere. This will be subject to Excess Free confirming the lower quotation and policy terms and conditions.

You will receive you policy documentation by e-mail or post after making your payment.  

Cover is immediate. However you cannot claim within the first 14 days of the policy start date.

Excess Free is a company that provides Excess Insurance. We are fully authorised and regulated by the Financial Conduct Authority.  We only use "A" rated, FCA authorised insurers. You can rest assured that both your policy and your premium are safe.

These policies provide a range of Excess cover from £250 up to £2000, to suit your circumstances. You can make multiple claims in the same insured period until your claim limit is exhausted.  Buy direct from us and you will achieve maximum savings on the purchase of Excess insurance.

For your security, Excess Free uses the most advanced technology for Internet security available today. When you access our site using industry standard Secure Socket Layer (SSL) technology, your information is protected using both server authentication and data encryption, ensuring that your data is safe and secure.

Our company registration number is 6521982

Our FCA number is 496117

Please see the policy terms and conditions for a full listing. However the main exclusions are:

  • If the excess on your main insurance policy is not exceeded then it will not be covered by your lifestyle excess policy.

However, you cannot claim within the first 14 days of the policy start date.

The Direct Group Limited are our expert claims handling company. They manage and process all ExcessFree claims, ensuring that each claim is resolved as swiftly as possible. 

By increasing the policy excess on your insurance policy (i.e. Motor) you will lower your overall premium. You can then cover this extra excess cost by taking out an excess policy which covers your total excess liability.

If you then add together the premiums of the two policies you should find that the combined cost is lower than your initial quote, which featured a lower excess. You will therefore be completely covered and have saved money into the deal.

If you wish to purchase excess insurance you can do so by going to the “Buy Now” page.

You can select the level of claim limit cover that is most suitable to meet your needs ranging from a minimum of £250 to a maximum of £2000.

No, the lifestyle policy is not affected by claims you make within the policy year.

There are no restrictions on how many times you can claim, unless you have reached your lifestyle excess limit.

Benefits for you

  • Peace of mind
  • Money back guarantee
  • Outstanding service
  • Protected by the FSCS Scheme


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