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Tempcover Help - what is excess reduction

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Excess Reduction

What is excess reduction?

In the event you need to make a claim and the incident was your fault, partly your fault or the third party cannot be traced, then our Excess Reduction policy will enable you to recover most of the cost of the amount you have paid as Excess.

With this additional extra, you will receive a proportion of the full excess amount back if you have purchased the excess reduction cover when purchasing your temporary insurance policy.

The amount you will be reimbursed will be stated on your Excess Reduction Policy Schedule.


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What is an excess?

Your excess is how much you agree to pay towards the cost of any insurance claim you make. You will need to pay this amount in order to get your vehicle repaired or replaced. There can be two parts to excess on motor insurance policies, but on temporary motor policies, you will only pay the compulsory excess. This is the amount you must pay towards the cost of a claim.


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How much can I reduce my excess by?

The level of protection available depends upon the level of policy excess on your Motor Policy. We will present a level that gets you as close as possible to £100 but never below that level.


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What claims are eligible for excess reduction?

Excess reduction is applicable to claims made against your Tempcover insurance policy as a result of:

  • Fire
  • Theft or attempted theft
  • Flood or Vandalism
  • An accident that was your fault

For more information, please review the Insurance Product Information Document here.

What claims are not eligible for excess reduction?

Excess reduction is not applicable to Tempcover insurance policy claims made as a result of:

  • theft, attempted theft, malicious damage and/or vandalism to your vehicle that has not been reported to the police and a valid crime reference number obtained;
  • claims exceeding the aggregate limit shown in your Policy schedule in any one period of insurance;
  • any excess which applies solely in respect of windscreen or glass damage claims;
  • any excess payable on warranty policies;
  • any excess solely in respect of alloy wheels and tyres;
  • any excess payable in respect of theft or attempted theft of personal effects;
  • The first amount of your excess as specified in your Policy Schedule;
  • Any claim that arises as a result of a deliberate action by you or anybody associated with you.

 


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How can I purchase excess reduction cover?

If excess reduction is available, it will be offered to you at the time you are presented with your quote for short term insurance.

Currently, excess reduction is only available to purchase alongside our standard car, van and motorbike policies from 1 hour to 28 days in duration.


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How do I make a claim for excess reduction?

Claims must be reported as soon as reasonably possible and no later than 30 days from the date you have paid the excess under your motor insurance policy.

To claim your excess reduction reimbursement, you must provide evidence that you have paid the excess on your Tempcover insurance policy, or had the amount deducted from your settlement and submit this to Coplus who manage all claims on our behalf.

You can contact Coplus by phone: 0333 241 3392 or via email: claims@coplus.co.uk 

Make sure you quote ‘Motor Excess Reduction Protect’ in all communications with Coplus.

Once proof of payment has been received, they will send you up to the full amount of cover under this policy as stated in your Excess Reduction Policy Schedule.

For more information on the claims process, visit our claims page here.


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How soon after the incident should I make my claim?

Claims must be reported as soon as reasonably possible and no later than 30 days from the date you have paid the excess under your Tempcover insurance policy.

Any claim involving theft or attempted theft, malicious damage and/or vandalism must be reported to the police and a valid crime reference obtained.


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Can I cancel my excess reduction policy?

You may cancel your excess reduction policy before the policy commences by contacting us at contactus@tempcover.com. Providing the policy has not yet started, we will then refund the premium back to the original payment card.

If the policy has already started when you contact us, you may cancel it, provided no claims have been made or are pending. However, no refund of premium will be payable in line with our terms and conditions of cover.

 


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