What is Excess Protection Insurance?
Excess Protection Insurance is a specialist policy that covers the amount you would normally pay as an insurance excess. Coverage can include:
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Buildings and structural damage
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Contents cover for landlord or homeowner-provided items
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Liability claims involving tenants
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Optional extras such as accidental damage or emergency call-out costs
Who Needs It?
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Landlords with rental properties
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Homeowners with high insurance excess policies
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Tenants required to pay insurance excess under tenancy agreements
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Anyone buying or selling property with potential excess liabilities
Why Choose Excess Protection Insurance?
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Protects your finances from high excess costs after a claim
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Covers buildings, contents, and liability
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Optional extras for accidental damage or emergency repairs
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Peace of mind for homeowners, landlords, and tenants
Important Considerations
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Coverage only reimburses the insurance excess, not the full claim
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Policy terms vary by provider and property type
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Ensure your main insurance policy permits excess reimbursement
Protect Your Property and Tenants Today
Keep your property and tenants safe from unexpected out-of-pocket costs. SynergiseUK links you with expert advisers to secure the right Excess Protection Insurance policy for your needs.
Frequently asked Q&A's
A policy that reimburses the insurance excess payable on a property claim, reducing out-of-pocket costs.
High excess amounts on property, buildings, or contents insurance can be expensive; this cover ensures you are reimbursed.
Optional — some policies include accidental or unforeseen damage to buildings or contents.
Yes — tenants can use it to cover any excess payable under tenancy agreements.
Absolutely — it protects landlord liabilities, including property, contents, and tenant-related claims.
Optional — some providers include cover for emergency property repairs after a claim.
Yes — it ensures any excess due from claims during transactions is reimbursed.
Costs depend on property type, excess amount, and optional cover. Tailored quotes provide accurate pricing.
Yes — portfolio coverage can be arranged for landlords managing multiple units.
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