Lifestyle Excess Protection

 You must be able to provide us with evidence of the excess you have had to pay in respect of each claim paid under your primary motor, pet, home or travel insurance policy;

 If your excess is recovered as a result of any claim against a third party or their insurers you must refund any monies previously paid to you by us in respect of your excess;

 All claims involving theft, attempted theft, malicious damage and/or vandalism must be reported to the police and a valid crime reference obtained

You can use our Lifestyle Excess Protection policy for your Pet, Travel, Home & Motor policies for residents of the UK.

This Lifestyle Excess Protection Insurance will

reimburse the lesser of the value of your excess under any of the following policies or the amount of your chosen amount.

You can claim under this policy more than once during the period of insurance but we will only reimburse you up to your chosen amount of cover.

 a private motor vehicle owned and insured by you which is noted on your motor insurance policy;

 the insurance policy covering veterinary treatment fees following an accident or illness to your pet cat(s) or dog(s) kept at main residence for domestic purposes only;

 the buildings and/or contents insurance cover for a property which you own, are the executor for or are the tenant of.

 a travel insurance policy providing cover in respect of medical expenses, cancellation, curtailment or abandonment, delay or loss of baggage whilst you are travelling away from your main residence.

 pet insurance for any cat or dog used for business purposes

 claims exceeding the aggregate limit of your chosen amount in any one period of insurance;

 any claim reported to us more than 30 days after

settlement of your claim by your motor, pet, home or travel insurer;

 any claim which is not covered by your primary motor, pet, home or travel insurance policy or which is declined by the insurer;

 where the excess is not exceeded under your primary motor, pet, home, or travel insurance policy

• You cannot make a claim where the cost of the claim is less than the policy excess. This is an important factor to consider when deciding how much of a voluntary excess to add onto your Pet, Travel, Home & Motor Insurance Policy. This policy will recover your excess that you have had to pay out.

 You must take all reasonable steps to keep your vehicle safe, secure and protected from damage at all times.

 If your excess is recovered as a result of any claim against a third party or their insurers you must refund any monies previously paid to you by us in respect of your excess.

 You must be able to provide us with evidence of the excess you have had to pay in respect of each claim paid under your motor insurance policy.

 All claims involving theft, attempted theft, Malicious damage and/or Vandalism need to be reported to the police and a valid crime reference obtained.

You are covered in respect of Motor Claims that occur within the United Kingdom, Channel Islands and the Isle of Man.

You must provide full and accurate information to all questions asked. Your answers must be true to the best of your knowledge and belief. Your answers will form part of the statement of facts on which your policy will be based. If you become

aware that information you have given us is inaccurate or has changed, you must inform us as soon as possible. Failure to do this may invalidate your policy and claims may not be paid. 

Your cover will start and end on the dates stated in your policy documents.

If you decide that for any reason, this policy does not meet your insurance needs then please let us know within 14 days from the date of purchase or the day on which you receive your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, the premium will be refunded in full. If you wish to cancel after the 14 day cooling off

period, no refund will be given.