At Excess Risk Consultants, we specialise in excess reducers and value-added insurance products that work alongside your existing insurance cover.
Our solutions are designed to reduce financial exposure, minimise unexpected costs, and provide greater peace of mind when claims arise. Whether you're protecting a personal vehicle, commercial fleet, transported goods, business assets, or your home, we offer practical solutions that help bridge the gaps left by traditional insurance.
Motor Excess Reducers
Motor insurance claims often come with significant excess payments that can place unnecessary strain on your finances.
Our Motor Excess Reducers help minimise these costs by providing additional protection against excess payments relating to vehicle damage, theft, hijacking, third-party claims, penalty excesses, and windscreen claims.
Products Include:
Motor Add-On Products
Our value-added motor products are designed to provide additional protection, convenience, and support when you need it most.
From roadside assistance and vehicle recovery to tyre cover, car hire, and vehicle value depreciation protection, these solutions help keep you moving while reducing the financial impact of unexpected events.
Products Include:
Goods in Transit (GIT) Excess Reducers
For businesses transporting goods, unexpected excess payments can have a significant impact on operations and profitability.
Our Goods in Transit Excess Reducers provide additional protection against excess amounts payable following insured transit-related claims involving accidents, theft, hijacking, and cargo loss.
Products Include:
Non-Motor Excess Reducers
Protect your home, business, buildings, contents, and valuable assets against the financial burden of excess payments following non-motor insurance claims.
Our Non-Motor Excess Reducers are designed to complement both personal and commercial insurance policies while providing additional protection where it’s needed most.
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Every insurance policy is different, and so are the risks you face.
Our team can help you identify the most suitable excess protection solutions for your personal or business requirements.