Innovative Insurance Solutions



Excess Protect Related Products from Nice 1



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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. Depending on your driving history and vehicle, the policy may be self funding i.e. increased excess saves more than the cost of the policy. Includes cover for motorcycles & driving instructors.



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This policy can cover vehicles up to 3.5tonne and fleets of up to 20 vehicles and includes caravans & motorhomes. Cover levels can be selected from £250 to £2000 per year.



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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.



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Motorcycle XS Protect reimburses any excess you might have to pay when you make a claim. Motorcycle XS Protect is included within our Private Car XS policy.






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Reimbursing the excess you may have to pay after a claim on your main caravan or motorhome policy. Caravan and Motorhome XS Protect is included within our Commercial Motor XS policy.



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Minibus XS Protect is included within our specialist Commercial XS Protect policy and refunds the excess you may have to pay in the event of a claim on your main minibus policy.



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Designed for the company or individual using their vehicle for business use. Business Car XS Protect is provided within our specialist Commercial XS Protect policy and refunds the excess you may have to pay in the event of a claim on your motor policy.



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As with the private motorist, driving instructors will normally have to pay the policy excess element in the event of a claim. Driving Instructor XS Protect reimburses any excess you might have to pay when you make a claim. Driving Instructor XS Protect is included within our Private Car XS policy.






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This unique policy reimburses motor traders the excess payable in the event of a claim. Once the claim is settled by your insurance company regardless of fault or non-fault, XS Protect will reimburse your excess. Motor Traders XS Protect is provided within our specialist Commercial XS Protect policy.



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All too often, fleet customers are excluded from many types of insurance available to the private motorist. Fleet XS Protect is provided within our specialist Commercial XS Protect policy and refunds the excess you may have to pay in the event of a claim on your motor policy.



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Taxi drivers can now recover the excess paid out following a claim with Taxi XS Protect. This unique policy reimburses motor traders the excess payable in the event of a claim. Once the claim is settled by your insurance company regardless of fault or non-fault, XS Protect will reimburse your excess. Taxi XS Protect is provided within our Private Car XS policy.



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Buildings and contents excess protect covers any excess payable under the insured main buildings and contents insurance policy.






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An entirely new product. Its conception puts an end to fears of making claims on high excess policies, by ensuring customers will be reimbursed the excess they have paid. Aggregate amounts are £250 / £350 / £500 / £750 up to £2,500. Cover available for up to 5 types of policy: Motor, Home, Medical, Travel & Pet insurance.