Direct Excess is no longer offering new quotes. We would like to thank existing and past customers for their support.

What is Excess Insurance?

Find Out More

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.

Discover more benefits

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!

Discover more benefits

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.

Privacy Policy

Privacy Policy and Data Protection

This web site is owned and run by:

Motor Gap Ltd T/A Direct Excess ,
Hawkstone House,
Valley Road,
Hebden Bridge 
Tel: 0845 652 1062

Registered in England No 7109212 
Regulated and authorised by the Financial Conduct Authority - registration number 516846 
Data Protection registration number Z2254221.

Office of Fair Trading, our licence number is 7109212

Our Commitment To Privacy

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.

The Information We Collect:

A cookie is a small text file written to your hard drive that contains information about you. Cookies do not contain any personal information about users. Once you close your browser, the cookie simply terminates. We use cookies to process and identify data so that we can personalise your experience of our website and so that we can track unique visits to our site for analytic purposes. We will also collect any further information that you agree to give to us and enter directly for example name, address, telephone number etc.

The Way We Use Information:

We may share your personal information with other companies so that we can process your policy. We may contact you with details of other products and services that you may be interested in. We may contact you by telephone, e-mail, SMS. If you would prefer us not to use your personal information to advise you of other products and services then please let us know. Otherwise we will assume that we have your consent to do so.

We will also provide information where we are required to do so by law.

When you make an application, your details will be held on computer.

Our Commitment to Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online including encryption technologies. However the internet is not a secure medium and we cannot accept any responsibility for the user's failure to secure their information appropriately.

How You Can Access or Correct Your Information

You can access all your personally identifiable information (contact information such as name, address etc) that we collect online and maintain by calling us or sending us an email. We use this procedure to better safeguard your information.

If you are concerned about how your information is used, you should check back at our website periodically. Customers may prevent their information from being used for purposes other than those for which it was originally collected by calling us at the number provided above.

To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.

How To Contact Us

If you feel that this site is not following its stated information policy, or should you have other questions or concerns about these privacy policies then please contact us at the above addresses or phone number.