excess protection

Making sure you have the right insurance for your van is essential, because you never know when you might need to make a claim. At Commercial Vehicle Direct we understand the importance of helping to get you back on the road, which is why we take the time to find the right policy for you and your individual circumstances. 

If you have ever struggled to cover the excess when making a claim, then our Excess Protection could be the right optional extra for you. 

Key Benefits:

Reimburses your excess when there is a claim

Choose from three cover levels or ‘policy limits’

Reclaim your excess when there is no at fault third party to claim from

How exactly does Excess Protection work?

As you’ll know, most insurance policies have an excess. Motor insurance companies often use high excesses in order to reduce their premiums, making it a more competitive buying choice for the customer, that is, until they have an incident.

Generally with non-fault claims you should be able to reclaim your excess from the “at fault third party”, however there are times where this might not be possible – for example for fire, theft and fault claims there isn’t anyone that you can reclaim your loss from, such as following a hit and run. This means that the cost of high excess could really put a dent in your finances. 

Our excess protection policy is designed to pay out in these situations to ensure you’re not left out of pocket.

More about “policy limits”

Depending on the policy limit you choose, you will be able to reclaim £300, £500 or £1,000 to cover the excess that you had to pay following an incident. It’s a great solution for those who don’t want to suffer financially should something cause their vehicle to be off the road either temporarily or permanently, especially if the situation was out of their control.

One way of using this policy is to increase your voluntary excess in order to decrease the premium and then buy an excess protection policy. This means you may end up with a cheaper overall package without being out of pocket if there is a claim. 


The policy does not cover windscreen, glass or key excess. It can be used more than once, but the total amount over the year is capped to the agreed policy limit. 

We understand that having to make a claim can be a stressful time. A policy of this kind can help to protect against unplanned expenses, easing the pressure and helping you get back on the road quickly. Talk to us today about our van insurance excess protection cover to find out more.