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.

General Exclusions

Fortunately Excess Insurance policies have very few exclusions and are very simple policies, however we are asked many times what is not covered and have produced a list of the main points:

Any claim that is refused by your Main Insurance Policy insurers to whom you are claiming, or where the Excess is not exceeded.

Any claim on the Main Insurance Policy which occurred prior to the Purchase Date of this insurance.

Any claim notified to us more than 31 days following the settlement of your claim on your Main Insurance Policy.

Where the property concerned is not your Main Residence (Home Excess only).

Any contribution or deduction from the settlement of your claim against your Main Insurance Policy other than the stated Excess, for which you have been made liable.

In the event of a motor claim and that your accident was caused by a third party to which your current Motor Insurance Excess has been Waived or Reimbursed to you, a claim will not be valid.

Any Excess claim arising from glass repair or replacement to your Motor Vehicle.

Any claim where the Motor Insurance Policy is on the basis of or includes Commercial Travel for example couriers or sales representatives.

A Home Insurance Policy that includes cover for business use.