Honest John

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Honest John is working as a GAP Insurance introducer for ALA IB Limited trading as ALA Insurance Brokers, who is Authorised and Regulated by The Financial Conduct Authority. FCA Firm Reference No 571109. Registered in England, number 06833207. Registered office: ALA IB Limited, Unit 3, Park Farm Courtyard, Easthorpe, Malton, YO17 6QX

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Car Excess Insurance

What does this policy cover?

ALA Excess Protection covers both the voluntary and compulsory excess charged by your comprehensive insurer for any claim made. Cover is available for 1 year to cover 1 claim for an excess up to £750. Prices start at just £45.00. Cover can be repurchased once the policy has been used.

This product can be bought independently without the need for an ALA GAP Insurance policy. Please note that this policy covers your comprehensive insurance excess for any claim made. You also, in the event of a write off, are covered by your GAP policy for up to £250 of your comprehensive insurance excess, which this Excess policy will supplement if needed.

Cover Features:

  • Covers Voluntary and Compulsory Excess
  • Cover available from £150 to £750
  • Supplements £250 excess payment from your GAP policy in the event of a write off
  • Prices from as little as £45 depending on level of cover
  • Can be bought independently from an ALA GAP Insurance policy
  • Cover can be repurchased after the policy has been used for as long as you have GAP with us
  • No limit on mileage for the duration of the policy
  • Covers within the geographical limits of the UK, Isle of Man and Channel Islands
  • 30 day cooling off period
  • A Rated Underwriter – UK General Insurance Limited on behalf of Great Lakes Insurance SE
  • UK Administrators
  • Policy transfer – pro rata transfer of unused premium if you change your car, with no admin fees
  • Non Fault claims are covered
  • Claims for any repair or replacement of glass is excluded from cover
  • Comprehensively covered named drivers are also covered

Am I eligible for cover?

Eligibility for cover with a Excess Insurance/Protection Policy is shown below:

  • Available for cars up to 10 years of age at the start of the policy
  • No mileage restriction at the start of the policy
  • Applicable to cars purchased privately or from a dealer
  • Available for cars bought outright, on finance or leased
  • Available for drivers of any age with a fully comprehensive motor insurance policy