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Onto - Electric Car Subscription

Adding the Reduced Damage Excess bolt-on

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. 

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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? 

  • Keys
  • Tyres
  • Windscreen
  • Damage
  • Accidents

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.

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