Purchase Commercial Business Excess Insurance

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Excess Cover Levels

Benefits – Exclusions – Documentation

Product Summary

Business Excess Protect
Commercial Excess Protection Insurance

Commercial Excess Protection Insurance provides peace of mind to business owners. This innovative solution reimburses your excess payments on your commercial insurance policy which means that if you are unfortunate enough to have to claim then you are covered subject to the terms and conditions of the policy.

For example if vandals damaged your premises and the claim cost was £3,995, and your excess was £500, then you would have to pay that £500 and your insurer would pay the balance of £3,495.

Commercial Excess Protection would reimburse that amount, making sure you’re not left out of pocket (subject to the policy’s terms and conditions).

How it Works?

You have to select the amount of cover you require for the year. The options available to you for a 12 month policy are:

  • Annual Cover – £300 = £66
  • Annual Cover £500 = £95
  • Annual Cover £1000 = £170
  • Annual Cover £2000 = £200

Prices are inclusive of IPT (Insurance Premium Tax)


Significant Features And Benefits

Cover is provided for the reimbursement of the Excess applicable under the Insured’s Commercial Insurance Policy following the successful settlement of a claim.

For cover to apply the excess of the Commercial Insurance Policy must be exceeded by the value of the successful claim payment.

The maximum amount payable under this Business Excess Protect policy depends on the level of cover selected and for which the appropriate premium has been paid. Please refer to the certificate of insurance or confirmation of coverage document for your cover limit.

For a complete breakdown of Exclusions and Benefits then please refer to this products Fey Facts and Policy Wording documentation.

What is covered?

Who Is Eligible For Cover On The Policy?

Any Insured;
1. Whose main place of business is in the United Kingdom (England, Wales, Scotland, Northern Ireland, Channel Islands and the Isle of Man); and
2. With a valid Commercial Insurance Policy in force.
3. Where the turnover of the Business Premises covered under this Policy (up to a maximum of three Business Premises) is less than £75,000,000 per location.

If for some reason you feel that more clarification is needed then please call us on 0870 474 0148

Purchase Information


Please NOTE: Policies are generated automatically and will be ready for download once you complete your purchase. If for some reason you are not re-directed to your downloads page then please call one of our Agents on 0870 474 0148

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Goodbye Excess the one stop shop for all of your Excess Protection needs. Insurance premiums are going up and so are the excesses that insurance companies demand. Young drivers are hit the hardest so protect yourself TODAY! from a high and nasty Excess loss. Goodbye’s Motor Excess Insurance covers both cars and motorbikes so all you have to decide on is your level of cover and checkout. Happy Shopping!

RTR UK Limited is an appointed representative of Your Company Matters Limited, which is authorised by the Financial Conduct Authority (FCA), Ref 591949. RTR UK Limited is registered in England and Wales, Company No 05174365, Registered Address Dovecote House, Middlecliffe Lane, Little Houghton, Barnsley, S72 0HW.