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.

Client Testimonials

Your feedback is very important to us as it helps us make our products better, more competitive and give you, our customers a greater level of satisfaction and service. We always aim high and look to deliver the best levels of service possible, some of our satisfied customers have taken the time to tell us about how we helped them.

out of 5 based on 43 testimonials

  • Service was great

    Garu

    Policy: Lifestyle Excess

    5-Star Rating

  • GREAT SERVICE WHEN I CALLED TO ASK A QESTION REGARDING MY CAR EXCESS INSURANCE POLICY.

    JACKSON WONG

    Policy: Motor Excess

    5-Star Rating

  • SEEMS VERY COMPETITIVE

    ALAN MUNN

    Policy: Motor Excess

    5-Star Rating

  • site good!

    mohammed arif

    Policy: Motor Excess

    3-Star Rating

  • Wanted Gap Insurance, but have a very high excess, decided to buy both.

    Chris Wilson

    Policy: Motor Excess

    5-Star Rating

  • Good value. Policy details are adequate

    Joshua Abramson

    Policy: Motor Excess

    5-Star Rating

  • Very Good

    Ben Naylor

    Policy: Motor Excess

    5-Star Rating

  • Price is competitive

    Doreen bexon

    Policy: Motor Excess

    4-Star Rating

  • Great Service,  I needed assistance and received a call back to resolve my queries.

    R Bennett

    Policy: Motor Excess

    5-Star Rating

  • great value and very good website

    jamie parish

    Policy: Motor Excess

    5-Star Rating

  • Easy to use website & easy to understand product

    Derek Strolin

    Policy: Motor Excess

    5-Star Rating

  • There are not so many companys offering this insurance now.  Great cover.

    Alan Pope

    Policy: Lifestyle Excess

    5-Star Rating

  • A good clear wesite that is easy to follow and understand. The motor excess insurance cost is very competitive.

    Raymond Nuttall

    Policy: Motor Excess

    5-Star Rating

  • Very few excess insurance providers seem now to include health insurance. Direct Excess does. I did have a claim on motoring last November, and it was dealt wth expeditiously by Direct. I would recommend them.

    Geoffrey R Ormerod

    Policy: Lifestyle Excess

    5-Star Rating

  • Easy to set up and pay for.

    Julie Powell

    Policy: Lifestyle Excess

    5-Star Rating

  • Quick and easy

    J Wielebnowski

    Policy: Lifestyle Excess

    5-Star Rating

  • QUICK AND EASY TO USE

    ROBIN M. BLOOM

    Policy: Lifestyle Excess

    5-Star Rating

  • this product is great and when i did have to make a claim on my insurance it really was a relief to know i was going to get my £95 excess back

    Alan Pope

    Policy: Lifestyle Excess

    5-Star Rating

  • good, thank you very much.

    chris walton

    Policy: Lifestyle Excess

    5-Star Rating

  • Good website and easy and clear form to complete with excellent instructions

    Paul Bowden

    Policy: Lifestyle Excess

    5-Star Rating

  • very easy to use website good value

    S Billyeald

    Policy: Lifestyle Excess

    5-Star Rating

  • Easy to use website plus easy to understand Policy wording and documentation.

    Andrew S Whitton

    Policy: Lifestyle Excess

    5-Star Rating

  • Easy to use website

    L THORNFIELD

    Policy: Lifestyle Excess

    5-Star Rating

  • Easy process

    John Bradley

    Policy: Motor & Car Hire Excess

    5-Star Rating

  • Fantastic - I will always come here for my excess cover - well worth it

    Vicky

    Policy: Motor & Car Hire Excess

    5-Star Rating