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What is Return Your Excess Insurance?
If you need to make a claim on your motor insurance, you’ll be responsible for paying an ‘excess’ which contributes towards the cost of the repairs or replacement of your vehicle.
There are typically two parts to your excess which you have to pay the combined total of:
- Compulsory excess: The amount, set by your provider, that you must pay towards the cost of a claim. Compulsory excess is non-negotiable and based on a few factors like the type of vehicle you’re insuring and your personal details.
- Voluntary excess: The amount, set by you, that you pay towards the cost of a claim.
Having Return Your Excess Insurance means you can claim back your total excess costs, up to £500 per policy period. We handle it all for you with automatic reimbursement for claims settled as fault or partial fault.
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How does Return Your Excess Insurance automatic reimbursement work?
We take the leg work out of claiming back your excess with automatic reimbursement. Here’s how it works.
For policyholders with a fault of partial fault claim or your core motor insurance, once your insurer has alerted us that your claim is settled, we’ll process the excess refund within 30 days – without you needing to make a separate claim – to the card or bank details used for your main insurance.
You’re also eligible to claim back your excess on non-fault claims where you have been unable to recover the excess from a liable 3rd party in a 6 month period, however you will need to call us to register this claim to alert us that an excess refund is due.
If you'd like to know more about our Return Your Excess Insurance, you can view the terms and conditions via our policy wording document (PDF 104KB).
Return Your Excess FAQs
Having Return Your Excess Insurance in place can give you peace of mind that you won’t end up out of pocket from making a claim on your insurance. While you will initially pay your excess, you’ll be able to recover the cost, up to the policy limit.
There are some things that are not covered by your Return Your Excess Insurance that are important to be aware of:
- The cost of your claim if it's less than your excess.
- Reimbursement of your excess if you've already recovered it through another policy.
- Incidents that happened before you bought the policy.
- Excess payments related to glass (windscreen, windows and sunroof), personal effects and equipment in the car.
How much Return Your Excess Insurance costs depends on the type of vehicle you’re covering:
- Car - £45.99 per year
- Bike - £39.99 per year
- Van - £49.99 per year
All three provide you cover for up to £500 in excess costs per policy period.
Yes, you can claim multiple times on your Return Your Excess policy, up to a maximum of £500 per policy period.
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Take out your excess protection through us today
Reduce the financial strain of claiming on your motor insurance with excess protection through Autonet. It's perfectly simple to get cover with us.