Lifestyle Excess Protection Insurance

Lifestyle Excess Protection insurance provides cover for the excess paid by you to your motor, household, travel and pet (if selected at inception) insurers in the event that you are required to make a claim against one of these insurance policies.  Cover is available with a range of limits from £100 to £750.  Following a valid claim the insurer will reimburse you the sum you paid to your insurers as the excess.

Benefits of cover

If you make a claim under your main insurance policy we will reimburse you the amount of any excess that you had to pay. Your Lifestyle Excess Protection Insurance applies only if:

(a) the incident that gave rise to the claim under your main insurance policy happened during the period of insurance of your Lifestyle Excess Protection Insurance.

(b) the claim under your main insurance policy was successful and was for more than the amount of the excess.

You can claim under Lifestyle Excess Protection more than once during the period of insurance but in total we will only reimburse you up to the maximum cover limit shown in the insurance schedule.

IMPORTANT LIMITATIONS
1. We will not reimburse you for any claim under this insurance you make within the first 30 days immediately following the start date of cover unless this insurance started on the same date as one of your main insurance policies.
2. We will not reimburse any excess you paid under a private motor insurance policy if the claim under that policy was only for glass repair or replacement.

Please refer to the key facts document and policy wording below for the full terms and conditions of our Lifestyle Excess Protection insurance policy.

Premiums

The premiums applicable for our Lifestyle Excess Protection insurance policy are as follows:

£100 limit: £41.22 including IPT
£250 limit: £45.61 including IPT
£500 limit: £54.07 including IPT
£750 limit: £64.53 including IPT

Sample policy documents

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From £42.58

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This policy is provided by Qdos Broker & Underwriting Services Limited, it has been arranged by Towergate and is underwritten by Jubilee, Lloyds Syndicate 5820.