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In the event of a claim with your comprehensive motor insurer you will usually have to pay a compulsory excess and, possibly, an additional voluntary excess. ALA Excess Insurance covers both the voluntary and compulsory excess charged by your comprehensive insurer for any claim made, not just for a total loss.
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Our underwriters are UK General Insurance Limited on behalf of Great Lakes Insurance SE, an A rated underwriter. We are fully authorised and regulated by the Financial Conduct Authority (FCA) and your policy is covered by the Financial Services Compensation Scheme.
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Yes, the policy covers both of these elements charged by your comprehensive insurer for a claim under your motor insurance policy.
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Policies can be purchased for 1 year to cover 1 claim. You can renew your policy upon expiry or after making a claim, whichever comes soonest.
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Yes, cover can be purchased up to £750 and is set at the time of purchase to reflect as closely as possible the total excess on your motor insurance policy excess that may need to be covered.
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Yes. If you make a total loss claim your GAP policy covers the first £250 of your comprehensive excess and, if needed, your Excess policy will cover anything in addition to this.
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This is a one claim policy. Cover can be renewed if a claim has been made on the original policy.
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As long as your car is less than 10 years of age and the Insurer still underwrites this product, then we would be able to supply you with a new policy.
Cover can also be repurchased once policy has been claimed on, subject to the conditions mentioned above.
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Claims must be made within 30 days of the incident for which you are claiming.
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All claims must be authorised by the claims administrator, Trent Services. You can contact them on 01285 626020.They will ask for some information to support your claim including: your name, contact details, Excess Insurance policy number, the name of your motor insurer, Motor Insurance policy number and a copy of the settlement letter from Your Motor
Insurer confirming:
‐ Your name and address;
‐ Details of the Vehicle;
‐ The amount settled;
‐ The nature of the Incident;
‐ The Excess deducted.
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Provided no claims have been made or are pending on the original policy and the replacement vehicle qualifies for cover, then we can complete a policy transfer. We do this by calculating the unused premium, on a daily pro rata basis, and deducting that amount from the new policy premium. There may be a balance to pay for the new policy.
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No, we do not charge an excess for any claim on this policy.
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The policy can be purchased to cover comprehensive motor insurance policies for cars, light vans (less than 3500kg) and motorcycles.
The policy cannot cover vehicles which are used in any sort of competitions or rallies, for hire or reward, delivery or courier purposes, for driving tuition, used as taxis, used for racing, pace making, speed testing or in reliability trials or invalid carriages.
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No, your Excess Insurance policy is valid as soon as the premium is paid and you are in receipt of your policy documents.
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This policy provides cover for England, Scotland, Northern Ireland, Wales, Isle of Man and the Channel Islands
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The premium quoted is a total amount for the full duration of the policy and includes Insurance Premium Tax. If you choose to pay by debit card, credit card or PayPal there will be no surcharges involved for the transaction.
Alternatively you can choose to pay by Direct Debit over 10 months, however this will incur an interest charge.
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Unfortunately we cannot cover an incident or damage which has occurred prior to the policy being purchased.