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  2. Excess Protection
Insurance

LEXUS EXCESS PROTECTION

Lexus Excess Protection is our 12-month complementary insurance designed to enhance your ownership experience. We understand unexpected events can happen, which is why we provide this exclusive benefit to give you added security and peace of mind.

We'll pay back up to £350* of your motor insurance excess if you make an accident claim through Lexus Accident Care and have your car repaired with our Lexus Authorised Bodyshop Network.

To qualify, you must have purchased a car or completed a scheduled full or interim service in line with your car's recommended service schedule at a Lexus Centre, no more than 60 days before this policy starting.

Before adding this cover, consider if you already have an Excess Protection Product through Lexus or another provider containing similar benefits. Please refer to your existing cover(s) to understand benefits and limitations.

*Up to £350 reimbursed after claim settled. Excludes breakdown and windscreen repair or replacement. Please see policy document for full terms and conditions.

Benefits

All repairs will be carried out by a Lexus Authorised Bodyshop using genuine Lexus parts^, ensuring your car remains 100% Lexus.

We’ll pay back up to £350* of any insurance excess paid once the claim is resolved.

We will recover your car if it is not drivable and find you a courtesy car (subject to availability) while your Lexus is being repaired.

Eligibility

You or your spouse, civil partner, or common-law partner must be the registered keeper and owner.

This product is available to customers who have purchased a new or used Lexus from an authorised Lexus Centre and customers who have completed a scheduled full or interim service in line with the car's recommended service schedule at a Lexus Centre no more than 60 days before the policy starts (proof may be required throughout the claim process).

How to claim your Excess Protection

If you need to claim, whether you are at fault or not, call us on 0333 1038739 before your insurer.

We'll provide you with accident aftercare and look after your insurance claim and repair using Lexus genuine parts^ at a Lexus Authorised Bodyshop. We will recover your vehicle if it is not drivable and find you a courtesy car (subject to availability) while your Lexus is being repaired.

Call Lexus First

As a Lexus owner, you have the legal right to choose where your car is repaired. Insurance companies often fail to make this clear, quickly taking over the decision-making process. By calling us first, we help put you back in control. Our dedicated team will help you pick the most convenient Lexus Authorised Bodyshop for you, with recovery and delivery arranged if necessary. It’s the nicest way to manage a less than ideal situation.

Always choose a Lexus authorised bodyshop

From a small scuff to a bigger issue, at our Lexus Authorised Bodyshop you can trust it will receive the care it deserves from only expertly trained Lexus Technicians, using only Lexus genuine parts^. It’s expert care for your Lexus, and peace of mind for you.

When purchasing car insurance, it typically includes an excess which is the initial amount you must pay before your insurer covers the remaining portion of your claim.

 

With our Excess protection cover we will pack up to £350* of your excess. For example if your total excess is £400, you pay this amount to your insurer and we will reimburse you up to £350* after your claim has been settled.

Excess Protection works alongside your comprehensive insurance policy. If you make a claim covered by your insurance that results in an excess payment, Excess Protection will reimburse you for this amount, up to the policy limit of £350.

Claims must be made as soon as possible after the incident for which you are claiming. To claim please call Lexus Care on 0333 103 8739 in the first instance.

This product is only valid for one year from its start date and can only be used once.

After making the excess payment to your insurer, please contact 0333 0444 702 to initiate the refund process. Rest assured we will promptly process the payment refund.

Yes, to be eligible to receive a payout from an Excess Protection Product all repairs must be conducted by a Lexus Authorised Bodyshop. Kindly refer to the terms and conditions for additional details.

Lexus Excess Protection is typically available to customers who purchase a new or used Lexus vehicle from an authorised Lexus dealership. This is also available to customers who have completed a scheduled full or interim service in line with their vehicle’s recommended service schedule at a Lexus centre, no more than 60 days prior to this policy starting.

Excess Protection is tied to the vehicle and is not transferable to a new owner. It remains active whilst you are the owner of the covered vehicle or until the expiration date of the policy, whichever is soonest.

Excess Protection is provided at no extra cost to you as a valued Lexus customer.

 

In some circumstances, your insurer may increase the excess you have to pay in the event of a claim if you choose Lexus to repair your vehicle.

Consider the financial benefits of adjusting your voluntary excess when reviewing your insurance policy. However, it's essential to carefully evaluate the advantages and disadvantages to determine if this adjustment aligns with your needs.

 

Increasing your voluntary excess can lead to a reduction in your insurance premium—the amount you pay for your insurance policy. This occurs because the insurer's potential payout decreases in the event of a claim.

 

Nevertheless, it's crucial to assess your overall insurance excess and ensure it's at a manageable level in case you need to file a claim. Avoid raising your voluntary excess beyond what you can comfortably afford to contribute towards a claim.

Insurance companies operate in varying ways. You might be required to make an up-front payment at the beginning of the claims process, or the invoice could arrive when the claim is being processed for payment. With our Excess Protection Product, we will reimburse you up to £350* of this cost once the claim has been settled.

Each insurance provider will have a different approach to this, and they could adjust the amount they quote for your excess or premium when you renew your policy. This decision can be influenced by various factors related to your claim history and the overall risk assessment by your insurer.

Excess Protection is arranged and administered by Lexus Insurance Services (a trading name of Toyota Insurance Management UK Limited), registered in England, Company No. 14297877. Registered Office: 7th Floor, 52-56 Leadenhall Street, London, EC3A 2BJ. Authorised and regulated by the Financial Conduct Authority (FCA). Firm Reference Number: 983839.

 

Excess Protection is underwritten by Collinson Insurance. Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority in the United Kingdom, under Firm Reference Number: 202846. Registered in England number 01708613.

 

These details can be checked on the Financial Services Register by visiting: www.fca.org.uk

Useful downloads

*Up to £350 will be reimbursed after the claim is settled. Excludes breakdown and windscreen repair or replacement. See policy document for full terms and conditions.

^Applies to Lexus cars only. Excludes windscreen or glass replacement.

Excess Protection is arranged and administered by Toyota Insurance Management UK Limited, trading as Lexus Insurance Services, registered in England, Company No. 14297877. Registered Office: 7th Floor, 52-56 Leadenhall Street, London, EC3A 2BJ. Authorised and regulated by the Financial Conduct Authority (FCA). Firm Reference Number: 983839.

Excess Protection is underwritten by Collinson Insurance. Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority in the United Kingdom, under Firm Reference Number: 202846. Registered in England number 01708613. These details can be checked on the Financial Services Register by visiting: http://www.fca.org.uk