Excess Protect
What's covered with Excess Protect Cover?
Our Excess Protect Cover add-on allows you to claim back your policy excess when you make a claim due to fire, theft or an accident, regardless of fault.
What’s an excess?
An insurance excess is the amount you have to contribute towards the overall cost of a claim.
How it works
With Excess Protect Cover, you can get a refund for your claim excess – even if you’re at fault – as long as you do it within 6 months of the accident.
Reimbursement of policy excess
Claim back your excess on unrecovered claims (e.g., accident, theft, or vandalism).
Claim again and again
You can make multiple claims over the year up to the value of your cover, and choose to protect your excess for up to £1,000.
From the start or at renewal
You can only purchase Excess Protect Cover when you first take out or renew your policy with 1st Central. So consider early on whether you want this optional add-on.
Cover regardless of fault
With Excess Protect Cover, you can get a refund for your claim excess – even if you’re at fault – as long as you do it within 6 months of the accident.
How to make an Excess Protect claim
If you have Excess Protect Cover and want to make a claim, you'll need to contact our partner, Coplus. Please only do this after your motor insurance claim is settled.
Or speak to our Excess Protect partner on 0333 241 9573
Answers to important questions
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:
- Email: claims@coplus.co.uk
- Phone: 0333 241 9573
- Post: Coplus Claims, Floor 2, Norfolk Tower, 48-52 Surrey Street, Norwich,NR1 3PA
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:
- Email: cppsecureclaims@cpp.co.uk
- Phone: 0330 123 0309 Opening hours: 9.00am to 5.00pm Monday to Friday
- Post: CPP Secure (Excess Protect), PO Box 1419, Sunderland, SR5 9RN
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
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.
What's not included in Excess Protect?
You'll not be able to use Excess Protect to claim back your excess where:
- A claim relates only to glass repair or replacement
- Your claim is declined or if the claim value is less than the excess
- You claim on Excess Protect more than 31 days following the settlement of your claim by 1ST CENTRAL
- Your excess has been or will be reimbursed by a third party
Let’s get it sorted
You can add Excess Protect Cover when you first take out a policy with us or at renewal in Your Account.