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.

Building & Contents Excess

The Insurer will pay to you in each relevant Period of Insurance, an amount equal to the amount of the Excess in relation to each settled Home Insurance claim up to your Cover Limit.

Home Excess Cover YES

Period of Cover Available Annual (Renewable)

Minimum Cover limit £250

Maximum Cover Limit £2,000

Is Cover Immediate? YES

Multiple Claims Allowed (up to cover limit) YES

14 day Money Back Guarantee YES

Covered by the FSA Compensation Scheme YES


  • What is Home Excess Protect Insurance?

    This policy can pay your Home Excess up to a maximum aggregate of £2000 following the successful settlement of your Home insurance claim. 

  • How can I purchase this insurance?

    This can be done on the telephone or on-line using either a credit or debit card. 

  • Is this a one off or annual payment?

    All premiums are single one off payments. There are no facilities for monthly payments.

  • What Annual Cover Limit do I need?

    Example 1

    Home repair cost £1100
    Your home insurance policy has an excess of £500


    In this case Excess protection would reimburse you the £500 meaning you are not out of pocket.

    (Subject to you selecting a high enough annual cover limit, you may wish to select a higher amount than your stated excess to cover multiple claims)

  • Who are the insurers of my policy and how do I know my premium and policy are safe?

    This policy is underwritten by AmTrust International Underwriters Limited, whose registered office is at 40 Westland Row, Dublin 2, Ireland.  AmTrust International Underwriters Limited are registered in Ireland under registration number 169384 and are authorised by the Irish Financial Services Regulatory Authority.  AmTrust International Underwriters Limited is regulated for the conduct of UK business under FSA Ref. No. 203014 are also fully covered by the financial services compensation scheme in the extremely unlikely event they were unable to meet your claim.

  • How long can I buy the policy for?

    You can buy this insurance policy for a term of 1 year, this is a renewable policy.

  • Can I transfer my policy to another house?

    No, that is not possible. 

  • Whose name should the policy be in?

    The policy should always be in the name of the person first named on the Home insurance policy.

  • Why would a Home Excess Protect insurance policy not pay out?

    The main exclusions are:

    When the excess on your main insurance policy is not exceeded. Where the property is not your main residence, the home is used for a business, where home insurance is not held, fraud or where the aggregate claims reach the policy limit.

  • How does the price promise work?

    Direct Excess insurance promises to beat the price of any comparable Home Excess Protect 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. 

  • Do I still need home insurance?

    Yes, home insurance is a must, Home Excess Insurance is a supplementary product to your home insurance and is not there to replace it.

  • When and how do I receive my policy document?

    You will receive you policy documentation by e-mail after making your payment.  

  • When does cover commence?

    Cover is immediate. 

  • How Do I Make a Claim?

    We have made the process as easy as possible, we even give you the option to have the money paid into your account or we can issue a cheque for you.

    Should you wish to claim under this policy, you should go to;

    You will be able to complete this claim form online. Alternatively please call the claims administrator on 0844 854 1498 to notify Your claim with them.

    Once you have received communication confirming your claim number from the claims administrator you should send the following;

    1. A copy of the acknowledgement letter received from the claims administrator
    2. A copy of your Home Excess Protect Certificate of Insurance or Confirmation of Coverage document
    3. You must provide a copy of your settlement letter from your Home Insurance Policy insurer, which must state the amount settled and the Excess deducted

    Please post a copy of the original claim form that you completed online or over the phone with all the required supporting documentation to:-

    Business & Domestic Administration Department
    Excess Protect Claims 
    1 Waterside Court
    Bold Street
    S9 2LR

    Should you need to contact the claims administrator please call 0844 8541498 or email [email protected]