Our Standard insurance excess of £1000 applies for all insurances-events including vandalism but excluding glass/windscreen repairs which has a standard excess of £500.
You can find information about what an insurance excess is here
The Reduced damage excess bolt-on reduces the standard excess amount down to £650, £350 or Zero.
When you choose one of these bolt-ons, the other features of your cover remain exactly the same:
- You’ll continue to benefit from our fully comprehensive insurance.
- All the drivers registered on your Onto account (the main driver and any additional drivers) will continue to be covered.
- The reduced excess only covers one car at a time. If you have two or more Onto cars in your household, you will need separate excess reductions applied.
- You cannot reduce the excess any further than this.
You cannot upgrade your excess reduction cover mid-way through a subscription.
How much does it cost?
The price of the Reduced Damage Excess bolt-on depends which Tier your car is in, as well as which level of reduction you wish to apply to your subscription
Note : If you have our older excess reduction package applied, this will remain in place at the original price, which will be protected under our R&R program until December 2023, unless you cancel your subscription, or perform another swap.
How to add the bolt-on
The process of purchasing a Reduced Damage Excess bolt-on differs for new, existing and Business customers:
New customers - You can add the bolt-on when you’re signing up. After you’ve entered your delivery address, you’ll be given a choice of bolt-on options.
Existing customers - Please note, If you’re already an Onto member, you can only add the bolt-on when you swap cars. You’ll be given a choice of bolt-on options when you’re going through the process of choosing your new model.
Onto for Business customers - Please get in touch with your Onto fleet manager and they’ll be happy to help.
Please note, that if you have the Young Driver bolt-on as part of your subscription, you will not be able to apply the Zero excess option, however you can still choose between the £650 or £350 reduction level.
What is covered by the Excess Reduction?
What isn't covered by the Excess Reduction?
The excess reduction, and in turn, the excess itself, may be invalidated if a member breaches our terms.
You can find the full list of events that may cause an excess invalidation within Appendix 1 of your Driver Hire Agreement, however a few examples are noted below :
- Gross negligence
- Replacement fees for missing items
- Breach of car care conditions, such as smoking or interior damages
How to cancel the bolt-on
Once you’ve added the Reduced Damage Excess bolt-on, it will continue to be a part of your subscription every month. To find out how to cancel the bolt-on, please read our article: Cancelling the Reduced Damage Excess bolt-on.
Looking for more information?
If you’d like to find out more about the Reduced Damage Excess bolt-on, we recommend you read our helpful blog post.