If you have a motorbike and have obtained insurance for it, keep in mind that not everything is covered just yet. While your motorbike insurance covers you financially for medical costs and vehicular damages, should there be an accident, there might be excess that will be your responsibility. This is where the need to obtain Excess Protection Insurance comes into the picture.

In this article, we will share with you how Excess Protection Insurance works and how you can save money on your insurance policy.

The process of getting your excess covered by another policy

In a nutshell, excess protection is an additional coverage under the insurance policy. It essentially serves to refund the excess that you would have to pay in a claim that no third party is held responsible for.

For instance, if you get into a motorcycle accident and you need to pay £1,000, your motorbike insurance will cover for the £800 financial liability for the medical costs and vehicular repairs. However, there will be a remaining £200 that you may be held responsible for the excess. 

The good thing about having excess insurance is that it will cover the remaining costs. It’s a straightforward solution that will give you the utmost peace of mind!

The importance of understanding your excess coverage

Keep in mind that getting excess protection is one matter, and understanding the scope of your excess coverage is another. It’s vital for you to know what is covered and what is excluded from your excess insurance.

For instance, some insurance policies do not cover commercial travel or exclude it if you aren’t a permanent resident in the UK. Some policies also require you to make a claim within a month after you are paid out by your primary insurer. Now, if your primary insurer won’t pay anything for some reason, your excess insurer won’t cover either.

These are just a few exclusions that you must be wary of before you shop around for excess insurance.

The need to still payout for your excess before coverage

It’s important to understand that there’s a need for you to pay for your excess before getting it covered. 

The initial step for you is to have your insurance cover you first, should there be any untoward vehicular accidents. If there’s going to be an excess, you will have to pay for it by yourself first. From there, you’ll have to file an insurance claim with your excess insurer. Once approved, only then will you be reimbursed for it. 

Claim reimbursement is one major drawback of having excess insurance, instead of having your primary insurer fully cover you or with a higher amount of coverage.


Excess insurance plays a crucial role in paying for what your primary insurance won’t pay. This insurance is a viable option that you can get for your protection against financial liability if you get into an accident. However, it’s important to understand the terms and conditions of your excess insurance before you take the plunge. Ultimately, this insurance solution helps you save money in the long run!

If you are looking for excess protection insurance in the UK, get in touch with us today to see how we can help!