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Churchill Insurance

Do I need excess car insurance?

A tricky one this, and completely down to personal opinion. Obviously there’s no law in place saying ‘thou shalt need excess car insurance’ if you own/drive a car, yet there’s absolutely no reason why you shouldn’t as it makes a great deal of sense. But by the same token, it costs.

You see on the one hand if you are involved in a road incident/accident and you do find yourself subsequently claiming on your motor insurance policy (and therein triggering your excess payment) then excess car insurance will prove extremely useful once you’ve reclaimed it. Because remember, you must pay your excess initially, before receiving it back as per your insurance agreement.

Yet on the other hand in order to action/rely on this you must have first been paying a monthly excess car insurance premium. On top of your current motor insurance premium.

As we say, taking out some form of excess protection cover is entirely up to you. We would advise you to think about the impact of having to pay your excess on your personal finances, and whether offsetting that damage by paying a small amount of extra premium would be worth it in the long run.

How much does excess protection cost?

This rather depends on the maximum limit you place on the excess car insurance. On average you pay in the region of £50 per annum should you choose to cover your excess to the tune of £500, a premium figure which rises to around the £60 mark if you opt for £750 of additional protection.

That is only a guide price though, and costs can fluctuate depending on your particular circumstances. In terms of the protection it brings though, excess cover is often a very sound financial investment.

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