Please find all of the answers to our FAQs for the Home Excess Protection product.
For general information about the product, please refer to the product page here.
Are manual endorsements / excess types covered? #
Yes, any situation or cover provided within the client’s core home insurance policy would be covered, such as excess specifically for houses situated in flood-risk areas.
Can we part cover excess? #
Yes, we can partially cover the excess. If your client has a £2,500 excess but the maximum cover is £2,000, we would cover up to £2,000, with the remaining amount payable by the client. Please note that in this scenario, the client cannot take out multiple policies to cover the excess—it is limited to one policy per home insurance policy.
Is a second property policy excess covered? #
No, this policy only covers the policyholder’s primary residence.
Is a holiday home policy excess covered? #
No, this policy only covers the policyholder’s primary residence.
