Excess Protect Cover

As an add-on to your 1ST CENTRAL car insurance, Excess Protect Cover ensures you’ll get your excess refunded when you make a claim resulting from the likes of fire, theft or an accident that wasn’t your fault. 

Get a quote

Key features of Excess Protect Cover

When can my excess be refunded?

When you make a claim within 6 months resulting from fire, theft, flood, vandalism, an accident that wasn’t your fault, an accident that was partly your fault or an accident where you were unable to recover your excess from a liable third party.

Multiple claims

With Excess Protect Cover, you can make multiple claims up to the value of cover you choose, and you can choose to protect your excess for up to £1,000.

When can I take out this cover?

You can only purchase Excess Protect when you first take out or renew your policy with 1ST CENTRAL. Just select the level of Excess Protect Cover you require when you purchase online or over the phone.

Read policy documents

Would you like to add Excess Protect Cover to your policy?

You can only purchase Excess Protect Cover when you first take out or renew your policy with 1ST CENTRAL.


Upon renewal, select the level of Excess Protect Cover you require on the quote page when you buy your insurance online, or tell one of our agents that you’d like this cover if you purchase over the phone.



Do you already have Excess Protect Cover with your policy?

If you have Excess Protect Cover included in your policy and would like to claim, please contact our Excess Protect partner, CPP Secure, following the settlement of your claim under your motor insurance policy:



More information and what’s covered under your policy, can be found in your policy wording, available within Your Account or your confirmation of insurance email.


Start protecting your car today

Get a quote

We're here to help every step of the way

If you’ve got a question about your policy, you might find the answer you’re looking for on our Help & support page.

Visit Help & support

Frequently asked questions

Who is my Excess Protect Cover with?

Excess Protect is underwritten by Acasta European Insurance Company Limited, whose registered office is at 5/5 Cruchett's Ramp, Gibraltar.

Acasta European Insurance Company Limited is authorised by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.

Your policy is arranged, and claims administered by Business and Domestic Insurance Services, which is a trading style of Blink Innovation (UK) Limited, who act as an insurance intermediary on behalf of the Insurer. Blink Innovation (UK) Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Reference Number 790304. Registered Office; 6 East Parade, Leeds, LS1 2AD. Registered in England and Wales, Company No. 10257192

Visit 1stcentral.excessprotectclaims.co.uk to make a claim on Excess Protect or call 0330 0555 276.

How do I claim on Excess Protect?

To make a claim, simply complete this form or give us a call 0344 809 9371. 

You must make your Excess Protect claim within 30 days of your car insurance claim being settled by 1st CENTRAL.

Please note that you'll still have to pay your excess in the first instance. Excess Protect Cover allows you to claim it back as a refund.

You can find your total excess amount on your policy schedule under 'Your excesses'. This will include your voluntary amount and any other compulsory excesses. You can view your schedule in Your Account.

The total excess can include: the young or inexperienced driver excess, vehicle/policy excess (additional own damage, fire and theft), non-approved network repairer excess and your voluntary excess.

For more information, have a look at our policy wording which can be found in Your Account or in your confirmation of insurance email.

What extra benefits do I get with Excess Protect?

With Excess Protect you’ll get your excess refunded following the settlement of a claim by 1ST CENTRAL (excluding windscreen only claims) resulting from:

  • Fire*
  • Theft*
  • Food
  • Vandalism
  • An accident that was your fault
  • An accident that was partly your fault
  • An accident where you are unable to recover your excess from a liable third party within six months

If you take out Excess Protect Cover with your car insurance you can:

  • Enjoy peace of mind knowing that you won’t be responsible for a large excess bill in the event of a car insurance claim
  • Choose your own level of cover from £300 to £1,000
  • Make multiple claims on Excess Protect up to the value of cover you choose
  • Make an Excess Protect claim via an easy to complete online form
How do I make changes to my policy?
Your Account is the place to go to make updates to your policy and if you make a change through Your Account, you'll benefit from paying a reduced admin fee.

You can log in to Your Account here.