Excess Protect Cover

Excess Protect Cover

As an add-on to your 1st Central car insurance, Excess Protect Cover enables you to claim back your policy excess when you make a claim resulting from the likes of fire, theft or an accident, regardless of fault.

Get a quote
Example heading

What is Car Insurance Excess?

A car insurance excess represents the amount you agree to pay towards the repair of your car in the event of an insurance claim. For example, if your car's damaged in an accident, and regardless of who’s to blame, your excess will define a set amount you'll have to pay towards the repairs, while your insurer will cover what's left of the cost.

Key features of Excess Protect Cover

When can my excess be refunded?

When you make a claim within 6 months resulting from fire, theft, flood, vandalism, an accident that wasn’t your fault, an accident that was partly your fault or an accident where you were unable to recover your excess from a liable third part.

Am I limited to just one claim per year?

With Excess Protect Cover, you can make multiple claims up to the value of cover you choose, and you can choose to protect your excess for up to £1,000.

When can I take out this cover?

You can only purchase Excess Protect when you first take out or renew your policy with 1st Central. Just select the level of Excess Protect Cover you require when you purchase online or over the phone.

Read Excess Protect policy documents

Example heading

Would you like to add Excess Protect Cover to your policy?

You can only purchase Excess Protect Cover when you first take out or renew your policy with 1st Central.

Upon renewal, select the level of Excess Protect Cover you require on the quote page when you buy your car insurance online, or tell one of our agents that you’d like this cover if you purchase over the phone.



Example heading

Do you already have Excess Protect Cover?

If you have Excess Protect Cover included in your policy and would like to claim, please contact our Excess Protect partner, Coplus, following the settlement of your claim under your motor insurance policy:

In order for us to help you more efficiently, please quote ‘Motor Excess Protect’ in all communications.

More information and what’s covered under your policy, can be found in your policy wording, available within Your Account or on our insurance documents page. 


Start protecting your car today

Get a quote

We're here to help every step of the way

If you’ve got a question about your policy, you might find the answer you’re looking for on our Help and Support page.

Go to our help section

Frequently asked questions

Who is my Excess Protect Cover with?

If your policy is effective on or after 01/01/2023

Excess Protect is underwritten by Astrenska Insurance Limited, whose registered office is at Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU.

Astrenska Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial services register number 202846.

Your policy is arranged, and claims administered by Motorplus Limited t/a Coplus who act as an insurance intermediary on behalf of the insurer. Coplus is a trading name of Motorplus Limited. Registered in England and Wales with Company No. 03092837. Head Office: Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich, NR1 3PA. Registered Office: Speed Medical House, Eaton Avenue, Buckshaw Village, Chorley, Lancashire, PR7 7NA. Motorplus Limited is authorised and regulated by the Financial Conduct Authority (309657)

If your policy is effective before 01/01/2023

Excess Protect is underwritten by Acasta European Insurance Company Limited, whose registered office is at 5/5 Cruchett's Ramp, Gibraltar.

Acasta European Insurance Company Limited is authorised by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.

Your policy is arranged, and claims administered by CPP Secure Limited who act as an insurance intermediary on behalf of the insurer. CPP Secure Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Reference Number 790304. Registered Office; 6 East Parade, Leeds, LS1 2AD. Registered in England and Wales, Company No. 10257192.
How do I claim on Excess Protect?

If your policy is effective on or after 01/01/2023

If you have Excess Protect Cover included in your policy and would like to claim, please contact our Excess Protect partner, Coplus, following the settlement of your claim under your motor insurance policy:

In order for us to help you more efficiently, please quote ‘Motor Excess Protect’ in all communications.

If your policy is effective before 01/01/2023

If you have Excess Protect Cover included in your policy, please contact our Excess Protect partner CPP Secure to make your claim.

Please do this at your earliest opportunity after the settlement of your claim under your motor insurance policy, ideally within 31 days, using one of the following options:

CPP Secure will register your claim and send you a claim form for completion and return, together with details of the documents that you are required to supply in support of your claim.

More information and what's covered under your policy, can be found in your policy wording, available within Your Account or your confirmation of insurance email.

What extra benefits do I get with Excess Protect?

With Excess Protect you’ll get your excess refunded following the settlement of a claim by 1st Central (excluding windscreen only claims) resulting from:

  • Fire*
  • Theft*
  • Food
  • Vandalism
  • An accident that was your fault
  • An accident that was partly your fault
  • An accident where you are unable to recover your excess from a liable third party within six months

If you take out Excess Protect Cover with your car insurance you can:

  • Enjoy peace of mind knowing that you won’t be responsible for a large excess bill in the event of a car insurance claim
  • Choose your own level of cover from £300 to £1,000
  • Make multiple claims on Excess Protect up to the value of cover you choose
  • Make an Excess Protect claim via an easy to complete online form