Our new Reduced Damage Excess bolt-ons

by Onto|

As you know, our all-inclusive subscription includes fully comprehensive insurance. That means we've got you covered, but depending on the situation, an excess fee of £1,000 may apply.

When you book a car, you can now reduce your excess from £1000 down to either £650 or £350, which covers essentials like tyres and windscreen repairs. Alternatively, choose our zero excess option for complete peace of mind and full protection.

How much does this bolt-on cost?

The monthly price will depend on your car model, as listed in this table.

How to add this bolt-on? 

If you're a new customer, simply select the Reduced Damage Excess bolt-on when booking your car.

If you’re an existing subscriber with a Reduced Damage Excess bolt-on:

  • You can switch to a different Reduced Damage Excess bolt-on if you swap your car.

If you’re an existing subscriber and don’t have the bolt-on:

  • You will not be able to add it during your subscription unless you swap cars.
  • This is the same if you’re an Onto for Business customer and you can also add it if you’re switching cars, just contact [email protected].


Why can’t I add the Reduced Damage Excess bolt-on during my subscription?

We trust that our subscribers take good care of their cars and any damages are reported to us right away, however we want to ensure that bolt-ons can’t be added after the car is damaged to cover some of the costs. Therefore we’re unable to offer the bolt-on to current subscribers unless they decide to swap their car to a different model.

Where will I see my Reduced Damage Excess bolt-on?
You will receive an email confirming if you have the Reduced Damage Excess bolt-on included in your subscription; the bolt-on will be displayed as your Insurance Excess amount in your Account.

Do I need to re-add this bolt-on each month?
No, once this bolt-on is added to your subscription, it will continue to be added each time you agree to a new month's subscription until the bolt-on is removed. You can cancel it at any time.

How can I cancel this bolt-on?
If you wish to cancel, please contact us. The cancellation will come into effect from your next billing period. Please note, you will not be able to add this after your subscription has begun unless you swap cars. 

If you have any further questions, either check out our Help Centre article here or get in touch at 0121 387 3502 or by email at [email protected].