Own Damage
Own Damage Excess Reducer
Protect trucks, trailers, buses, and commercial vehicles from large own-damage excess payments after a claim.
Why it matters
This product helps absorb the standard own-damage excess payable under your underlying insurance policy after covered damage, ensuring your fleet stays operational.
The Risk Gap
Standard underlying insurance often leaves a significant gap that can disrupt your entire business operation during a claim.
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Why Choose Our Cover
Unexpected repairs already strain operations. Reducing excess costs helps businesses recover faster and preserve working capital, especially for high-value vehicle exposure.
Key Advantages
Useful for HCVs, trailers, buses, and plant
Supports budgeting around claim events
Helps manage high-value vehicle exposure