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Direct Car Excess Insurance

Direct Car Excess Insurance logo

95%Would buy again

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This score is based on 19 real reviews

Reviews (19)

A sensible arrangement

I was rather pleased with the way this was handled, as I had been a little uncertain about excess cover having never looked into it before. The quote was clear and I was able to set up the payments without difficulty. The documents came through promptly, though I did have to ring once to confirm my policy start date, which took a little while to sort out.

Wendy Y.
0 people found this helpful

sorted and good value

Good value and dead easy to sign up, I'd say. As a first timer I was worried I'd get lost in the small print, but the site walks you through it step by step and the cover kicked in straight away.

Katie M.
1 person found this helpful

Good, quick and easy

Really good, sorted it in about five minutes on my phone. Got the cover docs straight to my email and the price was lower than what I was quoted elsewhere so no complaints from me.

Freya K.
1 person found this helpful

excess cover for the van

Bought a standalone excess policy to cover the van I hire out for work. I know the product well from years in the trade, and the policy wording was clearer than most I have read. Cover started the same day and the excess cover pays out as it should on the terms they set out.

Nigel W.
1 person found this helpful

Set up in no time

Bought it for my new car on my phone while I was on the bus. Asked for my registration and licence details which took two seconds to fill in. Cover was active before I got off at my stop, which was brilliant. Would buy again.

Kieran B.
0 people found this helpful

sound and cheap, been with them years

Good cover and the price has stayed sensible, which is the main thing for me. Been with them since the car was new and renewals have always been easy, though the reminder emails are a bit on the late side.

Carl T.
1 person found this helpful

Renewed for a long while now

I first took out excess cover because my insurer put up the price on the car and I was looking for something cheaper. I have been with them for years now and the renewal reminders arrive on time. Renewing again this year without fuss.

Lesley S.
2 people found this helpful

better price than the usual

Checked a few other excess insurance options before going with this one, and it came out cheaper than the one my insurer offered me. Took about fifteen minutes to sign up, and the cover confirmation landed in my inbox right away.

Parveen W.
1 person found this helpful

Better than the one from my insurer

Compared this with the excess cover my car insurer offered me, and this was noticeably cheaper for the same amount. Got set up on my first try and the confirmation email came straight through.

Samantha B.
0 people found this helpful

Bought the annual excess cover

I bought the annual excess cover for my partner's car. Before this I had looked at three other sites and this one came out cheapest for the same level of excess. Signing up was straightforward and I had the policy number within minutes.

Vicky F.
5 people found this helpful

Cheap for what you get

The renewal quote was the lowest I found after checking the usual comparison sites, and the excess cover for my Fiesta came in about forty quid under what my main insurer wanted. Paid monthly without any fuss.

Lee D.
6 people found this helpful

much cheaper than my insurer

Compared it with the excess add on my car insurer offered and this was about half the price for the same excess amount. Booked on the bus, took a few minutes, cover confirmed straight after.

Lewis K.
2 people found this helpful

A sensible way to cover the excess

I needed to cover the excess on my car after a friend recommended it to me, as I had never looked into it before. I did wonder whether the cover would be worth the money, but it turned out to be a sensible choice. The information on the site was clear and the people I spoke to were patient. My policy documents arrived promptly by email and I have had no reason to complain since.

Paul B.
1 person found this helpful

the cover started straight away

What surprised me most was that the cover was live the same day I signed up, which I didn't expect at all. I'd never bought excess cover before so I was a bit nervous, but the questions were simple and I got a confirmation email within minutes.

Jordan W.
1 person found this helpful

Sorted my renewal but took a while

I needed the excess cover renewed because my policy was coming up, and I have used this company for a few years now. The renewal process itself was fine but the confirmation took two days to arrive, which was a bit of a worry while I waited. Otherwise no complaints.

Stacey O.
1 person found this helpful

Cover ok but slow to start

Bought excess cover for my car, and I know the product well from working in motor trade. Price was fine. The cover took nearly a day to show as active though, which was annoying when I wanted to drive the car that evening.

Jacob C.
0 people found this helpful

Fine but the wait was long

Price was decent and the signup was quick enough on my phone. Took nearly a week to get the renewal confirmation through though, and I had to email twice before anyone answered, which was a faff with the car due its MOT.

Rhys G.
1 person found this helpful

needed it for my first car

I needed excess cover for my first car after my dad said I had to sort it myself. Had no idea what excess meant until I looked it up. The site explained it simply and I was covered the same afternoon. Really glad I found it.

Freya D.
3 people found this helpful

Cheaper than the big names

Compared about four sites before picking this one and they came out cheaper than the big comparison names for my excess cover. Signing up took maybe ten minutes and the cover documents came through by email straight away, which was good. Would use again at renewal.

Hannah W.
1 person found this helpful

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About Direct Car Excess Insurance

Direct Car Excess Insurance sells cover that pays the excess on a motor insurance policy if the policyholder has to make a claim. The company is an online provider, and drivers arrange their cover through its website without visiting a branch. Its customers are motorists who want to reduce the amount they would otherwise pay out of pocket after an accident or theft.

The business presents its excess cover as a separate product that sits alongside a driver's existing motor policy rather than replacing it. Customers can review the terms, see what the policy covers and sign up directly with the company online.

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Insurance | Vehicle insurance

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