Car excess

When you buy car insurance, you agree to pay a certain level of excess if you have a fault accident.

When you buy car excess protection through ZugarZnap, for only a small payment, we cover your excess so you are not ‘out of pocket’ if you have a fault claim. It can also allow you to select a higher excess when choosing a motor policy and reduce your car insurance premium.

There is no limit to the amount of claims you can make in any one period of cover. You can claim up to the ZugarZnap excess policy limit selected until the end date of your policy.

Please note, if the cost of the claim is less than the excess, there is no claim. Why? Because our car excess protection policy reimburses the excess deducted from your insurance repair cost. In this case, there is no claim on your motor policy, because the amount of the claim is less than the excess.

When you need to make a claim, our UK based claims specialists are waiting at the end of the phone to talk to you - because life is too short for small print and form filling.