Unexpected losses can affect far more than vehicles. Damage to buildings, contents, equipment, and business assets can result in costly insurance claims and significant excess payments.
ERC's Non-Motor Excess Reducers are designed to complement your existing insurance cover by helping reduce the excess payable following approved non-motor claims, providing additional financial protection when you need it most.
Whether you're a homeowner or business owner, insurance claims often come with excess amounts that remain payable by the policyholder.
These costs can place unnecessary strain on personal finances, business cash flow, or property maintenance budgets.
Our Non-Motor Excess Reducers help minimise these expenses, ensuring you can recover from unexpected events with greater confidence.
Our Non-Motor Solutions
Personal Non-Motor Excess Reducer
Designed to cover excess payments on personal non-motor insurance sections, including buildings, household contents, electronic equipment, and all-risk items.
Key Benefits:
- Reduces excess payments following approved claims
- Additional protection for homes and personal assets
- Complements existing personal insurance policies
- Optional extensions available for power surge-related excesses
Commercial Non-Motor Excess Reducer
Provides cover for excess amounts payable on a wide range of commercial insurance sections.
Cover Can Include:
- Fire
- Buildings Combined
- Office Contents
- Electronic Equipment
- Theft
- Money
- Glass
- Business All Risks
- Accidental Damage
- Machinery Breakdown
Key Benefits:
- Protection for commercial property and business assets
- Suitable for offices, retail businesses, warehouses, and commercial operations
- Covers excesses relating to a variety of commercial insurance policies
- Helps reduce unexpected claim-related expenses
- Optional extensions available for power surge-related excesses
ERC Geyser Cover
A standalone solution designed to cover the excess payable following approved geyser-related insurance claims.
Key Benefits:
- Covers excess payments relating to geyser claims
- Helps reduce unexpected repair and replacement costs
- Suitable for homeowners, property owners, and businesses
- Dedicated protection for one of the most common household claims
ERC Protector
A specialised standalone product designed to cover excesses relating to power surge, accidental damage, and mechanical or electrical breakdown claims affecting buildings and contents.
Key Benefits:
- Protection against power surge excesses
- Covers accidental damage-related excesses
- Covers mechanical and electrical breakdown excesses
- Suitable for personal and commercial insurance policies
- Additional protection for valuable property and equipment
Who Can Benefit From Non-Motor Excess Reducers?
Our non-motor solutions are ideal for:
Whether you’re protecting your home or your business, Excess Risk Consultants provides practical solutions designed to reduce the financial impact of unexpected claims.
Your insurance policy helps cover the loss.
Excess Risk Consultants helps reduce the excess costs that may still stand between you and a full recovery.
Speak to our team to find the right Non-Motor Excess Reducer solution for your personal or business needs.