About Us

Our company:
We're an online company that provides straightforward and low-cost excess cover for key lifestyle and motor insurance policies. Our products offer you peace of mind, great value, and the chance to save money on your insurance premiums.

Our insurance network:
Insure4Excess.com is part of insurance4carhire.com, the UK's longest-running online provider of car hire excess insurance. Insurance4carhire is a fully owned subsidiary of the Towergate Underwriting Group Ltd., Europe's largest independently owned insurance intermediary.

Our products:
• Lifestyle Excess Insurance: An all-in-one policy that reimburses you for excess on your home insurance, motor insurance, pet insurance and travel insurance. Prices start at just £45 a year (Bronze Cover).
• Motor Excess Insurance:
Reimburses you for excess on your motor insurance. Prices start at just £35 a year (Bronze Cover).

Our Core Values:
• Give every customer excellent service
We want you to have the best possible experience with us. Every member of our UK-based customer service team is an excess insurance expert. We make it easy for you to buy or renew your policy
• Keep it simple
We know that insurance can be complicated. That's why we offer straightforward products that make it easy for you to protect yourself against insurance excess. We explain our Lifestyle Excess Insurance and Motor Excess Insurance in jargon-free terms. And if you have any questions, we're always happy to help. Just email us or call 0844 892 1770.
• Be honest and transparent
That means no hidden clauses. No catches. You'll be able to find everything you need to know about our Lifestyle Excess Insurance and Motor Excess Insurance here on our website. And if there's anything you're unsure of, just email us or call 0844 892 1770. We'll always be happy to help.
• Attract and keep the best people
Having the best people allows us to offer you the best products and services. So we're committed to attracting, developing and retaining the best staff. We value diversity, respect, collaboration and a "can-do" attitude. And we work as a close-knit team to offer you innovative products, value for money and excellent service.
• Be innovative
Our business was founded on innovative products. It was the first company to offer specialised excess insurance, and we're committed to continuing this legacy.

How Our Products Work
Our policies are designed to reimburse your excess in the event of a claim on your motor, home, travel, and pet insurances, up to the cover level purchased.
Our Charities
Insure4excess supports a wide range of charities through the Towergate Charitable Foundation, a registered charity that collects money raised across the Towergate Partnership. Thanks to our staff, colleagues and clients, Towergate Charitable Foundation has raised more than £5 million for our charity partners, which include:
Cancer Research UK
ChildLine (NSPCC)
Help the Hospices
Great Ormond Street Hospital
Various military charities
Selected local charities