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.

FCA Status

Direct Excess is a trading style of Motor Gap Limited, a company which is registered with and directly authorised by the Financial Conduct Authority. Our FCA authorisation number is 516846.

Motor Gap Ltd trading as Direct Excess are also a Licensed Credit Broker with the Office of Fair Trading, our licence number is 7109212

We are fully compliant with the Data Protection Act and are licensed by the Data Protection Commissioner, registration number Z2254221.

Head office address
Motor Gap Ltd t/a
Direct Excess
Hawkstone House,
Valley Road,
Hebden Bridge

Registered in England, Company number 7109212.