Do I have to pay the excess on every claim?

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Please Note: We’re currently experiencing a technical issue that may affect access to your customer portal. In the meantime, you can still report a claim or breakdown as normal by calling 0203 738 7300.

Unfortunately your broker may be currently experiencing technical issues with their customer portal, which may prevent you from logging in. We apologise for any inconvenience this may cause. Please contact them for any insurance queries and you can report any claims by calling 0203 738 7300.

Please Note: On 25th May 2026, due to the bank holiday, our Customer Services teams will be closed. If you require an update on an existing claim, this is available via your broker customer portal. You can still report a new claim or home emergency by calling 0203 738 7340

Yes—if your claim is accepted, the excess will usually apply.

If the cost of damage is less than the excess your claim will not be accepted

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