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0845 652 1062

Call 01422 756100 to speak to our advisers, our opening hours are Mon - Fri: 09:00-18:00, Sat: 10:00-16:00

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.

Terms & Conditions

IMPORTANT LEGAL NOTICE

1. Introduction

Motor Gap Ltd T/A Direct Excess, including subsidiaries and affiliates ("Website" or "Website Owner" or "we" or "us" or "our") provides the information contained on this website or any of the pages comprising the website ("website") to visitors ("visitors") (cumulatively referred to as "you" or "your" hereinafter) subject to the terms and conditions set out in these website terms and conditions, the privacy policy and any other relevant terms and conditions, policies and notices which may be applicable to a specific section or module of this website.

2. Information on the Website

Whilst every effort is made to update the information contained on this website, neither the Website Owner nor any third party or data or content provider make any representations or warranties, whether express, implied in law or residual, as to the sequence, accuracy, completeness or reliability of information or opinions, on the website (including but not limited to any information which may be provided by any third party or data or content providers) ("information") and shall not be bound in any manner by any information contained on the website. The Website Owner reserves the right at any time to change or discontinue without notice, any aspect or feature of this website. No information shall be construed as advice and information is offered for information purposes only and is not intended for trading purposes. You or your company rely on the information contained on this website at your own risk. If you find an error or omission at this site, please let us know.

2.1 Recommendations

Direct Excess make no recommendations as to the suitability of any insurance product offered on its website and accept no responsibility or liability for any losses or damages incurred as a result of policyholders non compliance with policy Terms and Conditions or fitness for purpose. Direct Excess act only as agents in the marketing of insurance products and as such, take no responsibility for the making of, administering or settling claims under these policies.
Neither Direct Excess or any officer or employee of Direct Excess will be liable whether in negligence or otherwise to any person for any error, omission, or incompleteness in the information on this web site.

2.2 Price Promise

Direct Excess insurance promises to beat the price of any comparable Excess insurance policy in the event a lower quotation is gained from elsewhere. This will be subject to Direct Excess confirming the lower quotation and policy terms and conditions. This will apply only to new policy purchases.

3. Trade Marks

The trade marks, names, logos and service marks (collectively "trade marks") displayed on this website are registered and unregistered trade marks of the Website Owner. Nothing contained on this website should be construed as granting any licence or right to use any trade mark without the prior written permission of the Website Owner.

4. External Links

External links may be provided for your convenience, but they are beyond the control of the Website Owner and no representation is made as to their content. Use or reliance on any external links and the content thereon provided is at your own risk. When visiting external links you must refer to that external websites terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to this website without the express prior written permission of the Website Owner. Please contact us if you would like to link to this website or would like to request a link to your website.

5. Warranties

The Website Owner makes no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding the website.

6. Disclaimer of Liability

The Website Owner shall not be responsible for and disclaims all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the website, any information contained on the website, you or your company's personal information or material and information transmitted over our system. In particular, neither the Website Owner nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of any information.

7. Use of the Website

The Website Owner does not make any warranty or representation that information on the website is appropriate for use in any jurisdiction (other than Great Britain ). By accessing the website, you warrant and represent to the Website Owner that you are legally entitled to do so.

8. General

8.1 Entire Agreement

These website terms and conditions constitute the sole record of the agreement between you and the Website Owner in relation to your use of the website. Neither you nor the Website Owner shall be bound by any express tacit or implied representation, warranty, promise or the like not recorded herein. Unless otherwise specifically stated these website terms and conditions supersede and replace all prior commitments, undertakings or representations, whether written or oral, between you and the Website Owner in respect of your use of the website.

8.2 Alteration

The Website Owner may at any time modify any relevant terms and conditions, policies or notices. You acknowledge that by visiting the website from time to time, you shall become bound to the current version of the relevant terms and conditions (the "current version") and, unless stated in the current version, all previous versions shall be superseded by the current version. You shall be responsible for reviewing the then current version each time you visit the website.

8.3 Conflict

Where any conflict or contradiction appears between the provisions of these website terms and conditions and any other relevant terms and conditions, policies or notices, the other relevant terms and conditions, policies or notices which relate specifically to a particular section or module of the website shall prevail in respect of your use of the relevant section or module of the website.

8.4 Cession

The Website Owner shall be entitled to cede, assign and delegate all or any of its rights and obligations in terms of any relevant terms and conditions, policies and notices to any third party.

8.5 Severability

All provisions of any relevant terms and conditions, policies and notices are, notwithstanding the manner in which they have been grouped together or linked grammatically, severable from each other. Any provision of any relevant terms and conditions, policies and notices, which is or becomes unenforceable in any jurisdiction, whether due to voidness, invalidity, illegality, unlawfulness or for any reason whatever, shall, in such jurisdiction only and only to the extent that it is so unenforceable, be treated as pro non scripto and the remaining provisions of any relevant terms and conditions, policies and notices shall remain in full force and effect.

8.6 Applicable laws

Any relevant terms and conditions, policies and notices shall be governed by and construed in accordance with the laws of Great Britain without giving effect to any principles of conflict of law. You hereby consent to the exclusive jurisdiction of the High Court of Great Britain in respect of any disputes arising in connection with the website, or any relevant terms and conditions, policies and notices or any matter related to or in connection therewith.

8.7 Comments or Questions

If you have any questions, comments or concerns arising from the website, the privacy policy or any other relevant terms and conditions, policies and notices or the way in which we are handling your personal information please contact us.

8.8 Cancellation and Refund Policy

Our no quibble money back guarantee against all our insurance policies means that in the unlikely event of you being dissatisfied with your policy in any way, you have the right to cancel at any time within 14 days of purchase. This is providing that notification of cancellation is received by email or post within the 14 days and providing that you have not made a claim in that time. Upon receipt of a written cancellation request, a refund will be made within 7 days to the originating payment method.

Full cancellation details can also be found in the terms and conditions issued to you by your insurer.

Products offered by Motor Gap Ltd, DO NOT offer any early redemption monetary value other than a full refund in the 14 days cooling off period.

8.9 Liability Disclaimer

It is your responsibility to confirm your eligibility and the suitability of the cover you are purchasing. You should use your own skill and judgement to select the policy and benefits most appropriate for your circumstances. We have provided the means to do so in each products terms and conditions.

We accept no liability for any losses or damage incurred as a result of; the policyholders non compliance with policy Terms & conditions or fitness for purpose. We make no recommendations as to the suitability of these insurance products and you will be responsible for complying with the terms and conditions of your policy/policies, any information provided may not address your individual requirements and you take full responsibility for your own decision as to your suitability for any product purchased. Neither we nor any officer or employee of Motor Gap Ltd will be liable (whether in negligence or otherwise) to any person for any error, omission, or incompleteness of the information on this web site or lack of availability of the web site.

Contact Direct Excess

0845 652 1062

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Testimonials

Direct Excess: Rated 5.00 out of 5 based on 2 testimonials