Car Excess Insurance - How to make a claim

In the event that you have a claim and the value of the claim exceeds your policy excess, contact the claims line on;

0845 491 1111

Within 30 days of an incident occurring that would give rise to a claim

At the time you call we will complete the claim form with you over the telephone. We will then send you the claim form together with an acknowledgement letter by post or email for you to check that all the details recorded are correct. One you have received a communication confirming your claim number you should send the following: A copy of your Car Excess Insurance Schedule

A Copy of your excess receipt

Your settlement letter received from your Motor Insurance Company, which must state the amount settled and the Excess Deducted.

Please post a copy of the original incident report form with all the supporting documentation to:

Lifestyle Insurances

Beechwood House

37 Comber Road


Co Down

BT16 2AA

Consumer Insurance (Disclosure and representatives) Act 2012

Under this act it is the duty of the consumer to take reasonable care not to make a misrepresentation to the Insurer either before a Consumer Insurance Contract is entered into or varied. For the purposes of this Act a qualifying misrepresentation is deliberate or reckless if the consumer:

Knew that it was untrue or misleading, or did not care whether or not it was true or misleading and knew that the matter to which the misrepresentation related was relevant to the Insurer, or did not care whether or not it was relevant to the Insurer.

Any such misrepresentation could invalidate your insurance cover and mean that part or all of any claim on the policy may not be paid.



We are UK General Insurance Ltd, referred to as “we/us/our” in this notice. Our data controller registration number issued by the Information Commissioner’s Officer is Z7739575


This privacy notice is relevant to anyone who uses our services, including policyholders, prospective policyholders, and any other individuals insured under a policy. We refer to these individuals as "you/your” in this notice.


We are dedicated to being transparent about what we do with the information that we collect about you. We process your personal data in accordance with the relevant data protection legislation.


Why do we process your data?


The provision of your personal data is necessary for us to administer your insurance policy and meet our contractual requirements under the policy. You do not have to provide us with your personal data, but we may not be able to proceed appropriately or handle any claims if you decide not to do so.


What information do we collect about you?


Where you have purchased an insurance policy through one of our agents, you will be aware of the information that you gave to them when taking out the insurance. The agent will pass your information to us so that we can administer your insurance policy.


For specific types of insurance policies, for example when offering you a travel insurance policy, we may process some special categories of your personal data, such as information about your health.


We have a legitimate interest to collect this data as we are required to use this information as part of your insurance quotation or insurance policy with us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.


UK General’s full privacy notice


This notice explains the most important aspects of how we use your data. You can get more information about this by viewing our full privacy notice online at [^] or request a copy by emailing us at Alternatively, you can write to us at: Data Protection, UK General Insurance Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.