Excess Protect

Serviced by CPP Secure

An excess, is the amount a policyholder would have to pay upfront towards any claim that is made on an insurance policy.

Research* suggests that excesses are among the least-well understood elements of an insurance policy and only 1/3 of drivers said they check the excess level when purchasing a car insurance policy. Total excess on an average motor policy can cost anywhere between £300-£2,000, so an excess protection product can put this sizeable amount back into the policyholders pocket.

CPP Secure offers excess protection products for a variety of motor and property insurance policies to add-value and give your clients peace of mind and financial protection when they need it.

Man waiting the flight with a mobile phone

 Paid UK motor claims in 2018 – £8.1 billion

Motor Excess Protect Products

Our range of Motor Excess Protection Products provide the motor vehicle registered keeper with reimbursement of their paid excess, following a fault claim on their main motor insurance policy. Policies are offered on an annual basis with an annual aggregate cover. Products include:


  • Private Motor Excess Protect
  • Private Motor (Plus) Excess Protect
  • Commercial Motor Excess Protect
  • Motorbike Excess Protect
  • Goods Carrying Vehicle
  • Couriers & Hauliers
  • Approved Driving Instructor
  • Taxi Car
  • Horsebox
Home Excess Protect Products

Home Excess Protect covers the combined voluntary and compulsory excess applying to a home insurance policy in the event of a valid claim, where the excess is exceeded and cannot be recovered from a third party. When something unfortunate happens in the home, home excess protection can help with the financial outset. Products include:


  • Landlords Excess Protect
  • Home Excess Protect
  • Residential Lettings

Why offer ancillary insurance?


Ancillary insurance products from CPP Secure have been designed to complement and be distributed alongside other products. But as an insurance broker, why should you consider these? The Insurance Distribution Directive (IDD) is focused on customers being better informed and firms providing products that meet their needs. It is all driven by providing customer value and we believe that’s what ancillary products can do.

Many people who buy expensive items need that additional peace of mind and financial security and as an insurance broker, you are ideally positioned to offer ancillary benefits to meet customers’ needs.

Peace of mind

Financial protection

Value add

Ancillary revenue

Policy administration & claims handling

Cover type

Customer selects cover type and benefit

Premium cycle

All premiums are offered on a 12 month policy cycle


Policy sold through clients infrastructure or an ecommerce website

Policy fulfilment

Policies are fulfilled by the broker system, and bordereaux are submitted as pre-agreed

Claims handling

A full claims handling facility is provided for all our products and services.

Some of our broker partners that work with us



2. https://www.claimsmag.co.uk/2018/03/abi-cost-motor-insurance-claims-rise/10499

For a comprehensive list of all that is included or excluded in our policy, please contact us using the details above.

This policy is arranged and administered by CPP Secure. CPP Secure is a trading style of Blink Innovation (UK) Limited. Blink Innovation (UK) Limited is authorised and regulated by the Financial Conduct Authority (FCA), authorisation number 790304. Blink Innovation (UK) Limited is registered in England and Wales under company number 10257192 and has its registered office at 6 East Parade, Leeds LS1 2AD.