Multi Vehicle XS Protection (up to 5 vehicles)

You are covered for an amount equal to the excess in relation to each settled claim on your main vehicle insurance policy up to the annual aggregate limit of your Family Multi Vehicle XS policy, in respect of claims arising from a vehicle insurance claim only. This Family Multi Vehicle XS insurance policy can cover up to five motor vehicles that belong to your family.

Family means your spouse or someone you have a permanent relationship with or your immediate relative who lives with you at your home, and who, along with you, is named in the main insurance policy.

A motor vehicle (which cannot be a taxi), can be a personally owned; motorised car, motorised light commercial vehicle, motorised motorhome or motorbike (being a motorised motorbike which is a motor vehicle with a seat or saddle for the use of the rider and one passenger and designed to travel on not more than three wheels in contact with the ground), which is registered at your home address, which is constructed for the carriage of passengers and their effects and is adapted to carry not more than seven passengers and does not exceed 3.5 tonnes, of which you or family members are the owner or which you are authorised to drive, and is used for:

  1. social, domestic pleasure and commuting to and from your place of business.
  2. Business use class 3 means you and authorised drivers using the vehicle for business, to solicit orders, deliver pre-purchased goods. This includes sales representatives, consultants and agents and anyone else who uses the car to travel from customer to customer for commercial business use.

You are also covered where you have been unsuccessful in recovering the excess cost from a third party within six months of making a valid claim against them under your main vehicle insurance policy.

Aggregate cover benefit options available range between £250 - £1000 and you may choose to insure either up to 3 or up to 5 vehicles.

What is XS Protection?

Nowadays, most standard insurance policies will not pay out the whole amount of a claim; they include an element which you must pay which is called the excess. They do this to dissuade people from making small minor claims which are disproportionately expensive to administer, or when customers have a history of making regular claims, so by adding or increasing an excess, they reduce their risk.

This means that policyholders who think that they are fully covered, are not. As an example, if your policy excess is £500 and your claim is for £900, your insurance provider will pay only £400 of the cost, leaving you to make up the balance of £500.

Some excesses are compulsory, and some policies allow you to include/choose a voluntary excess higher than the compulsory limit. In this way the insurer’s risk is limited, so they will likely charge a lower amount for the main policy.

Excess (XS) insurance allows you to insure the amount of policy excess to further improve your insurance cover; therefore, whichever way you look at it, you will usually pay for some of your claim, unless you insure it via XS insurance.


If you would like assistance with any products, cancellations or updating details on your policy please contact Nice1 on the following email address:

Cover Type
Select your Excess cover product
Enter your vehicle for Excess cover
Vehicle #2 details (if available)
Vehicle #3 details (if available)
Vehicle #4 details (if available)
Vehicle #5 details (if available)
Excess Cover
Select when the cover will start
Welcome to Nice 1 Limited

Established since 2007, Nice1 Limited originally made its name with the development of innovative insurance solutions for the specialist insurance products marketplace through insurance intermediaries. We pride ourselves on providing up to date solutions tailored to customer needs. Our online offerings provide complete information in non-technical jargon, which should enable you to make informed decisions about product suitability.


If you would like assistance with any products, cancellations or updating details on your policy please contact Nice1 on the following email address: