ZAP_XS Motor - make your excess disappear -

from £25


from £25 a year

IPT included











You cannot make a claim under this policy in the first 30 days unless the XS cover was purchased at the same point as the Motor insurance policy went live

The claim you made under you your motor insurance policy was unsuccessful or is less than your excess

Please refer to your policy wordings for the full T&Cs

buy now

ask us anything - email:











Over 18

Resident in the UK

Named on the policy

You hold a full and valid driving licence

The accident which led to the claim occurred during this policy

The value of the claim was greater than the policy excess



Most motor insurance policies include a compulsory or voluntary excess; in the event of an accident that is your fault, or if your car is stolen or damaged in a hit-and-run, you must pay an excess.


ZAP_XS Motor refunds your excess on a claim even when it’s your fault.


In order to buy this amazing policy you must be named as the policy holder on the motor insurance policy and be a permanent resident in the UK. This policy will only kick in and pay out if the main motor insurer has agreed to pay out.


Choice of excess limits available:

£250, £500, £750, £1000, £1500 & £2000


- For clarity this is the total cover you can claim for in any one year, for example this means if you have an excess of £500 on your main motor insurance policy and you purchased the £1000 ZAP_XS Motor cover you can claim twice in one year.


Insurance arranged by Supercover Insurance Ltd and underwritten by Zenith Insurance Plc

Policies will be arranged on your behalf by ZugarZnap Group Ltd (ZugarZnap), who act as an administrator. Any premiums ZugarZnap collects or refunds ZugarZnap make to you will be on behalf of the Insurer. You can contact ZugarZnap via email at


ZugarZnap is an appointed representative of Oddie Dalton & Co Ltd. Oddie Dalton & Co Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Registered number 306267. You can check this on the Financial Services Register by visiting


Oddie Dalton & Co Ltd are registered in England number 01090813 and their registered office is 124 Melton Road, West Bridgford, Nottingham, NG2 6EP.