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Excess Protect Cover 

Excess Protect

What’s included in Excess Protect Cover?

Add Excess Protect to your policy and you’ll get your excess refunded when you make a claim resulting from:

  • Fire*
  • Theft*
  • Flood
  • Vandalism
  • An accident that was your fault
  • An accident that was partly your fault 
  • An accident where you were unable to recover your excess from a liable third party within 6 months
* If you have opted for Third Party, Fire and Theft cover, you can only claim in the event of fire or theft.

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

  • Make multiple claims on Excess Protect up to the value of cover you choose
  • Make Excess Protect claims via an easy online form
You can choose to protect your excess for up to £1000. 

Your questions answered

Can you make multiple claims?

Yes, you can make multiple claims up to your chosen cover limit.

How do I make a claim?

Claims will be administered by Business and Domestic on behalf of 1st CENTRAL. To raise a claim, please email:
claims@businessanddomestic.co.uk or call us on 0330 123 0309.

Does Excess Protect cover my voluntary excess AND my compulsory excess?
Yes, it covers both.

Do I get a refund if I cancel my Excess Protect cover?

You are entitled to a refund if you cancel your cover within 14 days of purchasing, providing you have not claimed on it. After 14 days no refund will be paid.

What's not included?
  • A claim that relates only to glass repair or replacement
  • A claims that's declined or if the claim value is less than the excess
  • If you claim on Excess Protect more than 31 days after the settlement of your claim by 1ST CENTRAL
  • When your excess is reimbursed by a third party 

Taking out Excess Protect

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 on the quote page when you buy your insurance online or tell one of our agents that you’d like this cover when you purchase over the phone.

Read the full Policy Wording

Get a quote