Why use Direct Excess?
1. Direct Excess are Specialists in Excess Insurance.
We are one of the largest providers of Excess Insurance products direct to the public. We have unrivalled levels of customer service while providing fully featured excess insurance products at prices up to 75% than you can buy elsewhere.
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!
2. Innovative and Unique Policy Features
Direct Excess insurance are proud to be able to offer some of the most unique excess insurance products on the market. Many of our rivals will not accept drivers who are under 21 years of age and our Motor Excess Insurance policy allows you to also include worldwide hire car excess insurance for trips of up to sixty days. On our Lifestyle policies we also do not discriminate as to the type of pet you can own. We will cover any type of household pet excluding equines. Please note our lifestyle cover insurers the first named pet only.
3. Saving you real Money!
Take an increased excess on your main insurance policy and save yourself hundreds each year. Safe in the knowledge that your excess is covered with minimum cost and fuss.
4. Real Members of Staff not Sales People
All members of our staff have extensive experience with excess Insurance. They are salaried and receive no commission or incentives from any sales. The way it should be, good old fashioned independent advice.
5. Free Policy Amendments
We make no charge for any change of policy details such as change of address.
6. Cover Any Named Driver
All of our motor related policies automatically cover all named drivers on your comprehensive insurance policy provided they are over 18 years of age.
7. Based in the UK & FCA Registered
Direct Excess is a trading style of Motor Gap Limited, a UK company which is authorised and regulated by the Financial Conduct Authority. Our FCA authorisation number is 516846.
8. Data Protection
We are fully compliant with the Data Protection Act and are licensed by the Data Protection Commissioner, registration number Z2254221.
9. Unique 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.
10. Claims Settled In 14 Days
Due to the large volumes of policies we sell each year and the fact we have dedicated insurance claims handlers we make a unique commitment to attempt to settle any valid any claim within 14 days of receiving the paperwork from you and your insurer. In reality our average settlement time is 3 working days. Please note this is subject to your insurer having settled your claim.