All Members are covered by damage protection

Third Party Liability, Damage Waiver and Excess Protection

All our vehicles include: (i) coverage that meets or exceeds the minimum required third party liability insurance against death, personal injury and damage to property; and (ii) a damage waiver, which limits your liability in the event of damage or theft. Standard excess of £1,250 for cars & £1,500 for vans applies. You can reduce your standard excess to £250 per incident by paying £25 per month, £250 annually or by paying an hourly fee of £2.25/hour (up to £18.00/day) ('Excess Protection'). The Excess Protection fee will be in addition to your monthly or annual membership fee.

Hopefully, you will never have a bump but if you do, you will only have to pay the standard excess (in respect of damage to and or theft of the vehicle) if the accident is deemed to be your fault (or the third party cannot be traced). If the repair cost is less than the applicable excess, you’ll only need to pay that amount.

For more information on Damage Waiver, please see our FAQs Help Centre. 

Reducing your excess to £250

Prefer to reduce your excess to £250 per incident? You can choose to pay £25 per month (after 1st March 2026), £250 annually or by paying an hourly fee of £2.25/hour (up to £18.00/day) for this reduction. To add this to your account, simply submit your member ID on this form. Our Clubhouse will then contact you to take the first payment by credit/debit card, thereafter your monthly/annual fee for this reduction will be collected by your default payment method, for as long as you choose to have this reduction. Please note that this Excess Protection will only be applicable once first payment has been taken.