Get insurance for the excess payments you have on your insurance policies with our Excess Protection Insurance. This low-cost insurance reimburses the excess amount stated on your policy in the event of a claim.

With prices starting at just £5.12 you could lower the overall cost of your insurance policy and have flexibility on the number of excess amounts you want to cover yourself for.

Why might you need excess protection insurance?

You are probably aware that you have excess amounts on your insurance policies and that in the event of a claim you would have to contribute that amount. Excess amounts apply to the majority of insurance policies including home insurance, car insurance and travel insurance but differ between insurers and the types of policies you hold. In most policies, the excess amounts are fixed but in some cases, there are voluntary excess amounts. Having excess protection insurance gives you peace of mind that if you need to make a claim, that amount of money will be reimbursed.

Having an excess protection policy could also save you money. You could lower the overall cost of your insurance policy by adding a voluntary excess. As a general rule if an excess payment is quite low then the price of your insurance policy is likely to be high. Increasing the excess could help bring that overall insurance premium down, especially in the case of young drivers and car insurance, and allows you to cover that higher excess amount through this insurance.

Prices start from just £5.12 a month payable by direct debit with a simple and easy process to claim back any excess amounts once you have gone through the process of getting a claim settled with your insurer.

What's covered?

  • You can have insurance for the excesses on your home insurance, car insurance, travel insurance, pet insurance and military kit and home insurance where you are the Policyholder and the Insurer you hold the policy with is UK authorised and regulated. (Please note that although we are predominately a military insurer, this product is available to anyone).
  • Flexibility on the amount of excess amounts you want covered on the policy – you might just choose to cover your car insurance excess or include all applicable policies. You can select to cover an excess of £250 up to the sum of £2000 per month.

What's not covered?

  • Any amounts that aren’t stated as excess amounts on your insurance policy
  • A situation whereby your insurer or any other third party has waived or reimbursed your excess amount
  • A claim whereby the insured is intoxicated by alcohol or under the influence of non-prescription drugs

More details

How do I pay for my excess protection insurance?

Payment is made by monthly direct debit from your UK bank account with collection of payment usually made on the first working day of each month.

Will I need to pay my excess in the event of a claim?

Yes – You will need to pay the excess on your Insurance claim to your insurance company you hold the policy with but then you will be able claim this back on your excess protection insurance.

What is the Excess Protection claim procedure?

You will be required to provide the following information in support of your claim:

·         Your contact details

·         Your excess protection insurance policy number

·         The policy reference and Insurer details for the policy on which you have claimed and paid the excess on

·         Copy of the settlement letter showing:
– Your contact details
– The amount settled
– Nature of the incident
– The excess deducted

About Trinity Insurance

  • Our products are designed specifically for the Armed Forces Family
  • We operate under the time honoured military values, service, loyalty, integrity and trust
  • Over 20 years experience in the military insurance industry
  • Quality protection for great value
  • We will never sell you anything you don’t need
  • No hidden charges
  • Simple, straight forward process to buy online, over the phone or face to face
  • Experienced  team offering you support on base across the UK, Germany and Cyprus