Most vehicle owners only discover the true cost of an insurance claim when they are required to pay a substantial excess amount.
Excess Risk Consultants Motor Excess Reducers are designed to work alongside your existing motor insurance policy, helping reduce the excess payable following an insured event. Whether it's accidental damage, theft, hijacking, third-party liability, or penalty excesses, our solutions provide valuable financial protection when you need it most.
Insurance claims don't always end with a payout.
Many insurers require policyholders to contribute towards a claim through standard, additional, or penalty excesses. Depending on the vehicle and circumstances of the incident, these costs can quickly become significant.
Motor Excess Reducers help minimise these out-of-pocket expenses, providing greater financial certainty and peace of mind.
Our Motor Excess Reducer Solutions
Own Damage Excess Reducer
Cover for the standard own damage excess payable following an insured accident or damage claim under your existing motor insurance policy.
Key Benefits:
- Reduces the financial burden of accident-related claims
- Suitable for private and commercial vehicles
- Covers excess amounts that would normally be paid by the policyholder
- Available for vehicles, fleets, buses, trailers, and plant equipment
Theft / Hijack Excess Reducer
Provides cover for excess amounts payable following a theft, hijacking, or total loss claim under your underlying motor insurance policy.
Key Benefits:
- Protection against high theft and hijacking excesses
- Helps reduce financial exposure following vehicle loss
- Suitable for personal and commercial vehicles
- Additional support for high-risk vehicle operations
Third Party Excess Reducer
Designed to cover third-party liability excesses payable under your underlying motor insurance policy.
Key Benefits:
- Reduces section II liability excess
- Additional financial protection following third-party claims
- Supports both private and commercial vehicle owners
- Helps manage unexpected claim costs
Penalty Excess Reducers
Additional protection against specific penalty excesses that may apply under your motor insurance policy.
Cover Can Include:
- Driving between specified hours
- Young or elderly driver excesses
- Professional Driving Permit (PDP) related excesses
- Single vehicle accident excesses
- Driver experience-related excesses
- Extended territorial limit excesses
Key Benefits:
- Helps protect against substantial penalty excess costs
- Particularly valuable for commercial fleets and transport operators
- Provides additional financial certainty when claims occur
Windscreen Excess Reducer
Cover for the excess payable on windscreen claims under your existing motor insurance policy.
Key Benefits:
- Reduces windscreen claim costs
- Suitable for both personal and commercial vehicles
- Helps minimise out-of-pocket expenses for common vehicle damage claims
Who Can Benefit From Motor Excess Reducers?
Our Motor Excess Reducer solutions are ideal for:
For full cover details, policy wording, limits, exclusions, and claims information, download our Motor Excess Reducer Product Guide.
A claim shouldn't result in unnecessary financial stress.
Speak to our team today about the right Motor Excess Reducer solution for your vehicle or fleet.