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 Car Excess Insurance covers both the voluntary and compulsory excess charged by your comprehensive insurer for any claim made, not just for a total loss (excluding glass claims).
Our underwriters are Newline Insurance Company Limited, an A rated, UK based underwriter. We are fully authorised and regulated by the Financial Conduct Authority (FCA) and your policy is covered by the Financial Services Compensation Scheme.
Yes, the claim limit options are £150, £250, £500, £750 and £1,000. The claim limit is set at the time of purchase and is the maximum that can be settled under the policy during the term of the policy.
The policy can be purchased to cover comprehensive motor insurance policies for cars.
The policy is unable to cover vehicles used for hire and reward, any competition, trial, performance test, race or trial of speed, including off-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event; any business use other than Class One Business Use as normally defined by motor insurers; any purpose in connection with the motor trade.
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.