Lower premiums in exchange for a higher excess – a simple way to save money
Insurance4your has partnered with XS Direct underwriting to offer LOWER PREMIUMS to drivers that are ordinarily punished by traditional insurers.
These policies are ideal for:
- Drivers who have zero years no claims bonus (because of previous fault claims etc)
- Company car drivers who now need to insure a private car and have zero years private car no claims bonus
- Drivers of performance or luxury cars
- Young or inexperienced drivers
How does it work and how will it save me money?
It’s a simple concept. We offer you much lower premiums than you’ll find elsewhere in return for a higher excess. So if you don’t have an accident, you’ll save lots of money! Only 1 in 15 drivers make a claim each year so the odds are stacked in your favour.
Even if you do have an accident and have to pay the excess, you may well still save money when you take into account loss of bonus and special loadings with a traditional insurer.
10 reasons to use Insurance4your’s XS Direct scheme:
1) Lower premiums
We lower premiums for drivers punished by traditional insurers. Inexperienced drivers, drivers who have lost their ‘No Claims Bonus’ and drivers with performance / luxury cars are likely to save with us
2) Premium Price Promise
An XS Direct premium is guaranteed not to rise in the event of a claim.
3) Only 1 in 15 drivers claims
Because only one in 15 drivers have an accident, drivers are unlikely to make a claim.
4) Lower claims costs
In the event of a claim, XS Direct drivers can still save in the long run
5) XS Direct can beat the bonus system
When you include loss of bonus and special loadings over a number of years, our drivers can still save even with a claim (provided you don’t claim too often!)
6) Adjustable excess option
Drivers can select their own excess to lower their premium
7) No small print
Our policies have no small print. Unlike some other insurers, we are completely transparent about costs.
No extra charges
All insurance policies carry an excess. Unlike other policies, with XS Direct, there are no extra charges. Our premiums are lower, in return for a larger excess.
9) Claims history is irrelevant
To get a quote for an XS Direct policy, a bonus certificate is not necessary.
10) Build a No claims bonus certificate if you wish
We issue a no claims bonus certificate after each year of claim free motoring, so you can start to build a no claims history to use with other insurers (should you wish).
Contact us for more information on lower premiums in return for a higher excess by calling (Freephone) 0800 977 5857, or complete an online car insurance quote.
