Car Excess Insurance - Policy Summary

About this document

Please note that this policy summary does not contain the full terms and conditions of the contract of insurance, so please take time to read the policy documents to make sure you understand the cover it provides. Insurer:

our Car Excess Insurance is arranged by Motorists Insurance Services Ltd with UK General Insurance Limited on behalf of Ageas Insurance Limited.

They are registered in England No.354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, S053 3YA.

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority.

Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

This can be checked on the Financial Services Register by visiting the FCA’s website at

What is covered?

Lifestyle Motor Excess insurance will reimburse any excess paid by you under your motor insurance following the successful settlement of any valid insurance claim. In any one period of insurance and provided the total amount payable under any claim on the motor insurance exceeds the value of the excess and that the incident leading to that claim under the motor insurance occurred during the period of insurance. Cover levels available:

  • Gold

    Upper claim limit £750
  • Silver

    Upper claim limit £500
  • Bronze

    Upper claim limit £350

Duration of cover

12 months from the date of inception of this insurance as detailed on the policy schedule. Exclusions and limitations

  • Any excess in respect of any claim under your motor insurance policy solely in respect of glass repair or replacement.
  • Any excess in respect of any claim reported to us more than 14 days after settlement of the claim under your motor insurance policy.
  • Any excess in respect of claims which have been reimbursed by any third party or form part of a legal expenses claim.
  • Any excess in respect of any claim which occurred prior to the commencement date of this policy as shown on your insurance schedule.
  • Any excess in respect of any claim arising from War or Terrorism.

Cancellation right

We hope you are happy with the cover this policy provides. However, if after reading this document, this insurance does not meet with your requirements, please return it to Lifestyle Insurances Northern Ireland within 14 days of receiving the insurance documents and we will refund your premium in full. If there has been a claim during the period of insurance or if a claim is outstanding, there will be no refund of premium.

Making a claim

If you have a claim, please call MIS Claims by telephoning 0845 4911111 as soon as possible.


It is the intention to give you the best possible service, but if you do not have any questions or concerns about this insurance or the handling of a claim you should follow the proceedure below. Complaints regarding the sale of your policy should be directed to:

  • Motorists Insurance Services Ltd,
  • Beechwood House