Excess Protection

How does car insurance excess work?

You only usually pay your car insurance excess in a fault claim situation. This is where your insurer is liable for paying out on damage as you were deemed to have a degree of fault. 

If you make a claim on your car insurance policy in such a case, car insurance excess is the amount you pay towards that claim. There are two types of car insurance excess – compulsory and voluntary.  

Compulsory excess is where your car insurance company sets an amount you must pay towards any vehicle repairs if you cause an accident. Voluntary excess is where you can choose to pay an amount beyond the compulsory level, with the benefit being that it can help reduce your car insurance premiums going forward. 

Two cars that have collided.

How does excess protect help?

Excess protection is a type of ‘add-on’ insurance that can be added to your main vehicle cover, and it reimburses your excess if you need to make a claim. It gets paid out after your claim has been settled. 

However, if your claim is non-fault or it’s a case of shared liability, you can also claim on your excess protection cover if your insurer hasn’t recovered the money from the third party within 6 months of the incident. 

If you want to know more, read our helpful guide on the difference between a fault claim and a non-fault claim. 

How does excess protection work with classic cars?

Excess protection is especially helpful for high-value classic cars. 

While some car insurance policies will give you an excess as low as £100, this is increasingly rare. If you have a valuable classic worth £30k or more, or multiple vehicles, you could be looking at an excess of £500, £750 or even higher. 

If you do need to claim on insurance for your valuable vehicle, it’s a sudden and significant cost. With excess protection, that money goes back to you once the claim is settled. 

The benefits of multi vehicle excess protect

If you’re the proud owner of a car collection, multi vehicle excess protection is a great way to cover more of those cars in one go. That’s because multi vehicle excess protection can actually cover up to 10 different vehicles. 

That means that if you have a claim in the April with one vehicle, and another valid claim in July on another vehicle, they’re both covered so long as they’re on the same multi car policy with us. 

Of course, in an ideal world you won’t have a reason to make a claim on your car insurance. But it’s great to have the peace of mind of knowing that if you ever do, then with excess protection you’ve got cover that can reimburse the excess for both. 

How much excess protection can you claim?

For a single vehicle, excess protection with Heritage caps out at a £1,000 annual claims limit. This is because it is unlikely that your excess would be higher than £1,000, and we want to make sure you’re only paying for the cover you need – and not overpaying for cover you don’t need. 

For a multiple vehicle policy, the aggregate limit is £3,000. This is because you’re more likely to have higher excess for multiple vehicles. 

Whatever your situation is, with excess protection you can be secure in knowing you have the cover you need if you do need to pay out on a claim. 


For more information on multi vehicle excess protection, send us a message and one of our team will be happy to speak with you about adding excess protection to your policy with us. 



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If you’re involved in a car accident, motor legal cover can cover the costs of arranging repair, claiming against a third party and/or any motor prosecution defence. This would care of the details that a standard motor insurance policy may not.