Any user of the vehicle must be covered by motor insurance which is in force throughout the duration of the motor excess policy.

All claims must be reported to us as soon as reasonably possible, and in any case no later than 30 days after the date the excess is paid under the motor insurance policy. 

Claims must occur within the United Kingdom, Channel Islands and the Isle of Man.

You can use our Excess Protect policy for Taxi's, Private Hire, Chauffeurs & Black Cabs.

Vehicle must not :- Exceed 3.5 tonne gross vehicle weight & have no more than 7 passenger seats.

This Personal Motor Excess Insurance will reimburse the value of your excess under your motor policy, or the amount you decide to claim (Whichever is less) in respect of each claim paid under your motor insurance policy which occurs within the territorial limits arising as a result of:

This Taxi, Black Cab, Chauffeur & Private Hire Excess Protect Policy will reimburse the value of your excess under your motor policy, or the amountyou decide to claim (Whichever is less) in respect of each claim paid under your motor insurance policy which occurs within the territorial limits arising as a result of: 

 fire, theft, attempted theft, flood vandalism or an accident that was your fault or partially your fault; or 

 where you have been unable to recover your excess from a liable third party within a six month period of the date of claim. 

The cover provided by this policy will continue during the period of insurance until you have claimed up to the maximum of your chosen limit.

 theft, attempted theft, malicious damage and/or vandalism to your vehicle that has not been reported to the police and a valid crime reference number obtained; 

 claims exceeding the aggregate limit of £1000 in any one period of insurance; 

 an excess which applies solely in respect of windscreen or glass damage claims; 

 an excess payable on warranty policies;  an excess payable in respect of theft or attempted theft of personal effects; 

 claims where there is any allegation that the damage to your vehicle occurred after you or any person covered under your motor insurance policy had allegedly consumed alcohol or illegal drugs. 

 Where you are not licenced by the relevant authority to provide a taxi or chauffeur service; 

 Any vehicle used in connection with a business involved in the purchase and sale of cars, Motorcycles and Vans: the repair, servicing or valeting of vehicles; or garages or MOT centres; 

 Any claims that occur whilst your motor vehicle is being used and or driven for the purposes of racing, pacemaking or trials.

• 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 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 on  your policy schedule.

There is no cover for any claim you make under this Policy within the first 30 days immediately following the start date of cover unless this insurance was taken out at the same time as your main insurance policy or this insurance was purchased by you at the time of renewal of your previous Commercial/Fleet Motor Excess insurance policy

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.