Direct Excess is no longer offering new quotes. We would like to thank existing and past customers for their support.

What is Excess Insurance?

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One of the UK's leading Excess providers!

Why call Direct Excess first?

We are one of the largest on line providers of Excess Insurance products direct to the public. We have unrivalled levels of customer service while providing fully featured gap insurance products at prices up to 75% cheaper than the dealers offering.

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Why Direct Excess?

Our customers have voted us consistently 5 out of 5 for price, customer service, claims and speed of payout. Look at our customer testimonials pages or check the FCA register to see we have never even had a complaint!

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What you will get

Direct Excess is a UK based company and is registered with the FCA, Call us first for:

Amount of cover Available.

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.

Multiple Claims.

You are able to make multiple claims on each policy until your claim limit becomes exhausted.

Immediate Cover.

All policies provide immediate cover upon payment of premium.

Money Back Guarantee.

No quibble 14 days money back guarantee on all our policies.

FCA Compensation Scheme.

For your peace of mind all policies are covered by the Financial Control Authority compensation scheme.

About Us

Who Is Direct Excess Insurance?

Direct Excess is a trading style of Motor Gap Ltd, we are a specialist insurance broker bringing innovative and unique Excess Insurance policies direct to the public.

We are one of the largest providers of Excess insurance policies direct to the public. We are able to offer a range of policies for our customers to cover Motor Excess, Car Hire Excess,  Buildings & Contents Excess and Lifestyle Excess.

As a leading online provider of 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.

Why use Direct Excess Insurance?

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.

Our dedicated team of professional customer advisors can help to guide you through the choice of products available and to help you select the most suitable product for your individual circumstances.

All of our staff are industry trained to the highest levels and are not paid commission based on sales; this ensures that you get the best advice and the best level of service possible.

Our customer satisfaction surveys are at the highest levels while our disciplinary record with the FCA can be checked at This will provide you with direct evidence of our exemplary conduct in our market place.


Our goal is to have the best premiums in the market with no compromise on the quality of our top level insurance policies.

We price check our prices against our competitors on a weekly basis and aim to have the most competitive premiums available.   However in the event that you do find a cheaper premium for comparable cover, we guarantee to beat it, as simple as that!


Our Motto is “quality and great customer service”. We are entirely UK based for all of our customer services, administration and claims. We open six days per week and our customer advisors are available to answer your questions either by telephone and  email or live chat. We like to do it differently.  A refreshing change to speak to a human before you make an important purchase!


When you purchase a policy from us you know that your money is safe. All premiums are paid directly to the insurer who both holds the funds and settles your claims.

For further protection and your safety we only use A rated insurers who are FSA registered and covered by the financial services compensation scheme.

We are delighted to state that our average payout time, once your insurer has made a settlement on your claim and all the paperwork is in place, is only three working days on average. We are confident this level of service is unrivalled!


We have a wide range of policies which can be tailored to individual requirements for specific circumstances.

Our Excess policies:

Motor Excess Cover Limits £250  – £2000
Motor & Car Hire Excess Cover Limits £250  – £2000
Buildings & Contents Excess Cover Limits £250  – £2000
Lifestyle Excess Cover Limits £250  – £2000

With Lifestyle we provide combined multiple cover; Motor Excess, Home Excess, Travel Excess, Health Excess and Pet Excess.

Our car hire excess includes worldwide car hire cover for trips of up to sixty days.

We cover all drivers named on your motor insurance policy.

We provide a 14 day money back guarantee should you change your mind about your policy purchase.


Direct Excess is a web site owned by Motor Gap Limited, a company which is registered and directly authorised by the Financial Conduct Authority. Our FCA authorisation number is 516846.

This means that our customers are covered by the Financial Services Compensation Scheme, (FSCS), details of which can be found at

Data Protection

Direct Excess is fully compliant with the Data Protection Act and is licensed by the Data Protection Commissioner, registration number Z2254221.