Even if you are a careful driver, accidents do happen and, following a settled claim, your insurers will deduct your excess from the final payment.

By purchasing Excess Insurance, we will reimburse your excess so you are not left out of pocket. Excess Insurance is purchased to run alongside your own motor insurance policy and allows you to claim back your excess on your motor policy for the following claims:-

  • Where you are at fault
  • Accidental damage
  • Malicious damage
  • Theft or attempted theft
  • Fire

Features
  • 12 months cover or until the excess cover limit has been used
  • Covers Voluntary and Compulsory Excess
  • Cover available for £250 or £500 excess
  • Excess reimbursement following a successful claim
  • Cover your exact excess amount on your motor insurance or cover for multiple claims by selecting a higher excess amount
  • Quick and easy claim process with online submission and monitoring

Provided by

Axa Assistance

Introduced by

  • What it covers

    Excess Insurance will cover:-

    Voluntary and compulsory excess

    Both excesses are covered following fault insurance claims for: accidental damage, theft, fire, vandalism, claims that were partially your fault or claims where, within 6 months, your insurers are unable to recover from the liable third party.

    £250 or £500 excess cover limit

    You can select to cover an excess cover limit of either: £250 or £500 on your personal motor insurance policy. Your excess will be reimbursed following the settlement of your motor claim.

    Additional vehicles

    The excess insurance policy covers one motor vehicle only, so if you have another motor policy then a separate policy will be required. Our online customer journey allows you to purchase multiple excess policies in one simple process.

    How it works

    Unfortunately, accidents do happen and vehicles get damaged; they can also be vandalised or stolen. If you claim on your main motor insurance and you don't have excess cover, you might be financially worse-off than if you have an excess insurance policy, as the excess policy will reimburse you your excess.

    Once the excess has been used, the policy is cancelled or will lapse on the policy expiry date if no claim is made. After this, you will be responsible for any future excess payments.

    Example for when you would claim back your excess

    If you had to make a fault claim on your motor insurance policy you will be responsible for paying any excess. With excess insurance you can claim the amount of your excess back, subject to the terms and conditions of the policy.

    1. Your vehicle may have been stolen and your insurer has paid you the current market value of the car, less the £250 excess. If you have purchased an excess policy, this amount can be claimed and reimbursed to you once the claim is settled.

    For full terms and conditions please refer to the policy wording.

  • What is not covered

      General terms and conditions

    • A motor insurance policy must be valid and provided by an insurer authorised to conduct insurance business in the United Kingdom
    • You must be stated as the policyholder for your motor insurance policy and excess insurance policy
    • You are a permanent resident of the United Kingdom
    • You are over the age of 21 years at time of purchase
    • You must be the owner of the vehicle and be authorised to drive it
    • Your vehicle is a private car or motorcycle
    • Your vehicle must be registered at your home address
    • You are using the vehicle for social or domestic purposes, commuting to your usual place of work or using the vehicle for your own business purposes including commercial travelling
    • Covers vehicles constructed to carry up to 7 passengers
    • Covers vehicles not exceeding 3.5 tonnes
    • A claim for excess reimbursement cannot be made within the first 30 days following the start of cover, unless this insurance was taken out at the same time as your main insurance policy or this insurance was purchased by you at the time of renewal of your previous motor excess insurance policy
    • Claims must have taken place during the period of insurance of the excess insurance policy
    • Claims must be notified to us no more than 31 days after the settlement of a claim under your main insurance policy or by a third party
    • Claims are excluded for breakdown, misfuelling, windscreen repair or replacement, or any glass repair or replacement to your motor vehicle

    For full terms and conditions please refer to the policy wording.

  • FAQs
    • Who provides the excess insurance policy?

      The Lawshield UK Ltd excess Insurance policy is underwritten by Inter Partner Assistance SA UK Branch which is fully owned by the AXA Assistance Group

    • How can I pay for cover?

      You can pay for cover online using either a debit or credit card, or if you would like to speak to someone to arrange payment, please call 0333 043 1299.

    • How long does the policy cover me for?

      Policies are issued for 12 months cover. You can renew a policy upon expiry or after making a claim.

    • Does the policy cover both voluntary and compulsory excess?

      Yes, the policy covers both compulsory and voluntary excesses on your motor insurance policy.

    • Is there a claim limit on the policy?

      Yes, the claim limit is the amount of excess cover purchased, either £250 or £500.

    • What happens if I change my vehicle?

      If you change your vehicle, please contact Lawshield UK Ltd on 0333 043 1299

    • Can the policy cover any vehicle?

      The policy covers private cars and motorcycles (less than 3,500kg).

      Cover is excluded for vehicles that are used in any sort of competitions or rallies, used for hire or reward, driving tuition, taxis, racing, pace making, speed testing or reliability trials or for vehicles used solely for delivery or courier purposes.

    • When can I claim?

      As soon as your insurers have made payment and have settled your main insurance claim, you can either; log the excess claim online www.excessclaim.co.uk or call 01737 334243.

    • How long do I have to make a claim?

      Claims for excess must be notified to Axa Assistance no more than 31 days following settlement from your main motor insurance policy.

    • How can I claim?

      Your claim will be handled by AXA Assistance (UK) Ltd. To make a claim we will ask you to submit supporting documentation listed below. It is important you submit all the documentation requested, as we will be unable to process your claim until received.


      • 1. Scheme Code: 10404
      • 2. Evidence the excess amount has been paid to your motor insurer following your claim
      • 3. Evidence that your claim with your main insurer has been settled stating that you were at fault.
      • 4. Certificate of main insurance policy that you have paid the excess on.
      • 5. The certificate of motor excess insurance policy or documentation detailing excess cover

      Via the internet:

      Visit our claims web site: www.excessclaim.co.uk where you will be able register your claim on line.

      Or By Phone

      Please call AXA Assistance on 01737 334243 to notify your claim. You will receive a claim form to complete and will be asked to send us copies of your documents.

      Our internet solution allows you to enter all the necessary details we require to settle your claim. We recommend you use the web link as you will need to post documents to us if you contact us by phone, which could result in delays of your claim being settled.

      FAILURE TO FOLLOW THESE STEPS MAY DELAY OR JEOPARDISE THE PAYMENT OF YOUR CLAIM.

    • How long does it take to receive payment?

      When the payment has been authorised and agreed by Axa Assistance, payment will be processed at the same time and will take up to 3 days to clear in your bank account.

    • Who do I contact if I have any questions?

      If you have any questions about the cover provided, please contact Lawshield UK Ltd on 0333 043 1299 or email us. Our office opening hours are Mon - Fri 09.00 - 17.00

    • How do I make a complaint?

      We do everything possible to make sure that you receive a high standard of service. If you are not satisfied with the service that you receive, please contact: The Quality Manager, Inter Partner Assistance SA, The Quadrangle, 106 - 118 Station Road, Redhill, Surrey, UK. RH1 1PR. Telephone: 0870 609 0023

      If we have given you our final response and you remain dissatisfied you may refer your case to the Financial Ombudsman Service (FOS). Their address is: South Quay Plaza, 183 Marsh Wall, Docklands, London, UK. E14 9SR Telephone 0800 023 4567.

    • Are prices inclusive of Insurance Premium Tax?

      Yes, the price shown includes Insurance Premium Tax at the current rate.

    • What happens if I change my mind and want to cancel?

      If you find that the cover provided under this policy does not meet your needs, please contact Lawshield UK Ltd on 0333 043 1299 or email us within 14 days of receiving the documentation and we will cancel this policy. You will receive a full refund of your premium as long as you have not made any claims.

      If you cancel the policy outside the 14-day period, as long as you have not made any claims, you will receive a refund of your premium for the amount of time left to run on the policy, less an administrative charge of £15.

  • Policy Documents

    Excess policy summary

    If you need a copy of your policy documents you can request them through our online form and these will be sent out to you by post.

    To view PDF you need Acrobat. Download Acrobat - free.

  • How to claim

    How do I claim back my excess?

    You can claim back your excess when your motor insurance claim has been settled by the insurer. It is a quick and easy online process or you can call to speak to an operator.

    Your claim will be handled by AXA Assistance (UK) Ltd. To make a claim we will ask you to submit supporting documentation listed below. It is important you submit all the documentation requested, as we will be unable to process your claim until received.

    • 1. Scheme Code: 10404
    • 2. Evidence the excess amount has been paid to your motor insurer following your claim
    • 3. Evidence that your claim with your main insurer has been settled stating that you were at fault.
    • 4. Certificate of main insurance policy that you have paid the excess on.
    • 5. The certificate of motor excess insurance policy or documentation detailing excess cover

    Via the internet:

    Visit our claims web site: www.excessclaim.co.uk where you will be able register your claim on line. Or

    By Phone

    Please call AXA Assistance on 01737 334243 to notify your claim. You will receive a claim form to complete and will be asked to send us copies of your documents.

    Our internet solution allows you to enter all the necessary details we require to settle your claim. We recommend you use the web link as you will need to post documents to us if you contact us by phone, which could result in delays of your claim being settled.

    FAILURE TO FOLLOW THESE STEPS MAY DELAY OR JEOPARDISE THE PAYMENT OF YOUR CLAIM

  • Existing Customers

    Make Changes

    If you wish to make changes for:


    • Change of name
    • Change of address
    • Change of vehicle(s) details
    • Amend your email address or contact details
    • Cancellation

    Please call:

    0333 043 1299
    Opening hours: Mon - Fri 9.00am to 5.00pm

    Calls may be recorded and/or monitored for training and audit purposes

    or email us

    Contact Us