When can I make a claim on my excess protection policy?

When you have paid an excess following a successful claim on your property owners insurance policy – providing this was within the period of excess protection cover. There are some exclusions, which will be set out in your policy wording.

What’s covered with excess protection?

The value of the excess paid under your property owners policy, up to the annual limit of your cover (see above).

Can it only be used in conjunction with the address(es) shown on my excess protection policy schedule?

Yes. This product is designed to be used in conjunction with claims made under your property owners' insurance and the addresses declared on your policy schedule.

Is excess protection insurance the same as excess reimbursement insurance?

Yes, but some companies refer to it with a different name. Each policy will have its own terms and conditions, depending on the insurer.

Can I buy excess protection insurance as a standalone product?

No, it has to be bought in conjunction with property owners' insurance.

Excess Protection Insurance - Available from as little £20 a year

Name: Excess Protection Insurance
Brand: Alan Boswell Group
Rating: 4.9 (1420 reviews)

Our excess protection insurance can be used by landlords and property owners, purchased in conjunction with our property owners insurance. Excess protection reimburses you for the cost of your policy excess in the event of an insurance claim, helping you to avoid unexpected expenses relating to your property.

The Alan Boswell Group Difference

Having worked with the UK’s landlords for more than 40 years, our specialist advisers understand the many challenges you face. To help you manage those, we can provide a wide range of market-leading insurance products, backed up by excellent customer service and a dedicated in-house claims team. We also have a landlord advice hub that is full of useful information to help landlords and property owners find the advice and products needed.

We’re proud to say that our advice and service have been recognised by the industry and our customer feedback scores are proof of our consistently high standards.

Excess Protection Insurance at Alan Boswell Group

Very professional, efficient and personable to deal with as well as providing excellent cover. I have been with them for around 15 years.

Mr Rizvi - Landlords Insurance

4.9/5 1420 reviews

Excess protection insurance in detail

As a property owner, it’s likely your insurance policies will have varying levels of excess.

For example, you may have to pay a standard policy excess of £250, but higher excesses may apply for escape of water, subsidence, and/or malicious damage by a tenant.

Excess protection insurance makes it easier to manage those costs, allowing you to make a further claim for the value of excess paid. It works alongside your normal property owners insurance policy and will cover the cost of your excess up to a pre-agreed limit.

Low cost

Available for £20 - £80 a year.

High limits available

Cover limits from £300 to a £3,000 during your period of insurance.

Multiple claims allowed

For instance, if you choose an annual limit of £500, you could make two claims where the excess paid is £250; if you choose a £1,000 limit, you could make four claims for £250 excess per property. All values apply per property.

Cover is only available where we also insure the buildings. Excess protection cover must be purchased on all properties insured under the same property portfolio. This product is not available as a standalone option.