What is Excess Protection?
Excess Protection is an optional add-on that lets you claim back 100% of your excess after a fault accident. This includes both:
Compulsory excess (set by your insurer)
Voluntary excess (chosen by you)
Example:
If your total excess is £500 and the total damage costs £5,000:
You pay £500 (your excess)
Marshmallow covers the remaining £4,500
With Excess Protection, you can claim back the £500 you paid
What does Excess Protection cover?
You can claim back your total excess if:
The claim is a fault claim (where Marshmallow pays out)
You paid your excess to the garage or repairer
The excess amount is stated clearly in your policy documents
What is not covered?
Excess Protection won’t cover:
Claims below your excess amount
Claims declined by your insurer
Glass or windscreen claims
Incidents that occurred before your policy started
Claims missing required documentation
Who is eligible?
You can buy Excess Protection during the quote stage if:
You are a car policyholder (not available for vans over 2,500kg)
Your policy includes a clearly listed excess amount
You are not renewing an existing policy (add-ons cannot be added at renewal)
Note: You can only make one Excess Protection claim per policy term. If you have a MultiCar account, you’ll need to buy Excess Protection separately for each car.
How much does it cost?
The price depends on your total excess. You’ll see your exact price during the sign-up process.
Example:
If your total excess is £500, Excess Protection costs £27.
When can I add Excess Protection?
You can only add this cover when buying a new policy. It cannot be added mid-term or during policy renewal.