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Motor excess insurance

About motor excess insurance

Our Motor Excess Policy refunds the cost of your motor insurance excess, following the successful settlement of a claim, where you have accepted fault. Motor excess insurance is a policy which allows you to claim back your excess costs (capped to £2000) in the event of an accident which you are deemed to be at fault for, or where a third party is unable to recover your excess.

In the event of a road accident, the last thing you need is the worry of whether or not you will be able to afford the costs incurred. Excess motor insurance, when added to your standard car insurance, means that if you do have to make a claim, that you can ultimately claim back your excess outlay. The initial amount of excess you will have to pay is decided partly by you and partly by your insurer. This is called voluntary excess and compulsory excess respectively:

Policy summary


Annual Policy (Renewable)

From £250 to £2000

  • Multiple Claims Allowed (up to cover limit)
  • Covered by the Financial Services Compensation Scheme (FSCS)
  • 14 day money back guarantee

Voluntary excess

This is decided by you, and can be as little as £0. However, people who choose a lower voluntary excess will often find that their car insurance premium is raised as the insurer will have to pay out more in the event of a claim.

Compulsory excess

This is decided by the insurer, and is decided on criteria such as your age, the type of car you drive and the type of claim you have made. This can be anything up to £2000.

Total excess

The amount of excess you will pay in the event of an accident, where you are forced to make a claim, is the combined sum of your compulsory and voluntary excess. For example, if you have a voluntary excess of £250, and your compulsory excess is also £250, you will pay a maximum of £500.

In summary

In the event of a crash which is your fault, you will be required to pay the total of your compulsory and voluntary excess but can then claim your full excess expenditure back through your motor excess policy.

Cost calculator & policy download

Select cover limit

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per annum

  • £29.99
  • £35.99
  • £37.99
  • £42.99
  • £47.99
  • £66.99
  • £79.99

Annual cost

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Benefits for you

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

What our clients say...

  • "Cover £2,000 of your motor excess for £79.99 per year. It's an absolutely fantastic service from ExcessFree."
    Laura O'Neil - Stratford, London
  • "From as little as £29.99 a year you can cover up to £2000 on your home excess. Outstanding value."
    Joshua Wood - Westcotes, Leicester
  • "Motor, home and travel excess insurance, all for an affordable price! Excellent offer from ExcessFree."
    Sarah Barlow - Duddeston, Birmingham
  • “Good value for money, let’s hope I don’t have to claim.”
    Samuel Morgan - Heswall, Liverpool
  • “Very impressed, simple to setup and the cover level is one of the best I’ve found.”
    Marcus Lowe - Carlton, Nottingham
  • “Quick, smooth and responsive customer service when I needed to contact them regarding my claim. Highly recommended”
    Jilly Cross - Nursling, Southampton
  • "Become Excess Free and save money"
    Sir Stirling Moss


What is motor excess insurance?

This policy can pay your motor excess up to a grand total of £2000 following a non-fault accident, or accident where you are unable to recover your excess from a liable third party.

How can I purchase motor excess insurance?

This can be done on-line using either a credit or debit card using your ExcessFree account.

Is this a one off or annual payment?

All premiums are single one off payments. There are no facilities for monthly payments.

Do I still need motor insurance?

Yes motor insurance is a must; motor excess protect insurance is a supplementary product to your car insurance and is not there to replace it.