Innovative Insurance Solutions



Commerical Combined

Commercial Combined Overview

Protect your business insurance excess

Designed to protect the insurance excesses that apply in the business sector. Covers any excess up to the annual aggregate limit. Commercial insurance products covered: Material Damage, Business Interruption, Employers Liability, Public Liability, Product Liability, Contract Works, E & O Insurance, With cover limits available: £300 / £500 / £1,000 / £2,500, Aggregate limit applies in any one policy period.

When you make a claim, you will normally have to pay some of the costs yourself. This is called the policy excess, and choosing the right amount can help make sure you get the best deal. This figure is almost totally dependent on your claim history, and circumstances.

With XS Protect you will no longer have to worry about being out of pocket for the dreaded excess. Once the claim is settled by your insurance company regardless of fault or non-fault, XS Protect will refund your excess.

Save Money

By taking out a higher voluntary excess, it is possible to save money on your insurance premiums. With XS Protect as a back up, you will not have to worry about being out of pocket for the excess in the event of a claim as the XS Protect policy will reimburse you once the claim is settled, regardless of fault.

This exclusive product reimburses any excess paid out in the event of a claim on your insurance policy, allowing you to take a higher voluntary excess and potentially reduce your overall premium but still claim for your excess loss to be repaid.

Online fulfilment of this product will be available shortly. Meanwhile agents may promote and sell this product by contacting the business development team at Nice 1 via the contact details.

Brokers & Agents click here to apply online or call: +44(0)03333 58 59 60