Business Details
12 Years
experience
Emergency
services
Trusted Insurance Excess Solutions in the UK
Established in 2014, Bettersafe was founded by a team of seasoned insurance professionals. Initially focused on car hire excess and insurance excess waiver products, we have expanded our offerings to meet evolving customer needs while maintaining our core mission of delivering reliable insurance solutions. As a trading name of Commercial and General Limited, we operate with UK-based customer service and are regulated by the Financial Conduct Authority. Our decade-plus experience, combined with policies underwritten by Lloyd's of London syndicates, ensures comprehensive coverage tailored to individual and business requirements.We prioritise transparency, competitive pricing, and direct payment of excess claims to garages, eliminating out-of-pocket expenses for customers. Our commitment to innovation and customer-centric service has earned us 950+ Trustpilot 5-star reviews and three Feefo Gold Trusted Service awards, solidifying our reputation as a trusted insurance provider in the UK and beyond.
Services
Car Hire Excess Insurance
Private Car Excess Insurance
Home Excess Insurance
Travel Insurance
Commercial Vehicle Excess
GAP Insurance
Roadside Assistance
Details
- Year established: 2014
Highlights and features
- Rated Excellent by Trustpilot with 950+ 5-star reviews
- Recipient of 3 Feefo Gold Trusted Service awards
- Over 10 years' experience in specialist insurance coverage
- Policies underwritten by Lloyd's of London syndicates
- Direct payment of excess claims to garages eliminates out-of-pocket costs
Associations and certifications
- Financial Conduct Authority
- Lloyd's of London
What people say
Excellent service
Quick claims process
Competitive pricing
24/7 support available
Direct garage payments
Services
Car Hire Excess Insurance
This insurance covers excess fees charged by car hire companies for damage or theft during rentals. Policies provide up to 7,500 coverage with additional benefits including key cover, misfuelling assistance, and drop-off charges. Available for single-trip or annual coverage across the UK, Europe, and worldwide destinations.
Private Car Excess Insurance
Covers excess payments required when making claims on personal vehicle insurance policies. Direct payment to garages ensures no out-of-pocket expenses, covering incidents like accidents, theft, fire, and vandalism. Available for both new and used vehicles with flexible coverage options.
Home Excess Insurance
Reimburses excess payments made on home insurance claims for incidents like flooding, fire, subsidence, and storm damage. Covers non-standard properties and allows policyholders to increase voluntary excess on primary policies to reduce premiums while maintaining protection.
Roadside Assistance Insurance
Provides 24/7 emergency support for vehicle breakdowns with up to six call-outs annually. Includes recovery services, alternative transport arrangements, and emergency accommodation coverage. Available for UK, European, and worldwide travel with multiple coverage tiers.
GAP Insurance
Covers the financial gap between motor insurance settlements and original purchase price or outstanding finance agreements. Includes return-to-invoice coverage and excess reimbursement up to 500, with protection for temporary replacement vehicles following total loss incidents.
People
Bradley Brandon-Cross
Director
Experienced insurance professional guiding strategic direction and business development at Bettersafe with over a decade of industry expertise.
Michael Cant
Director
Senior insurance executive overseeing operational management and product development for Bettersafe's expanding range of excess insurance solutions.
Stephen Marshall
Executive Business Manager
Manages day-to-day business operations with focus on maintaining high service standards and regulatory compliance across all insurance products.
Angela Penycate
Finance Manager
Responsible for financial strategy and reporting, ensuring fiscal stability while maintaining competitive pricing structures for all insurance offerings.
Tahmina Rahman
Customer Experience Executive
Leads customer service initiatives focused on resolving complex claims and improving policyholder satisfaction through empathetic support frameworks.
Questions
What does car hire excess insurance cover?
Covers excess fees charged by rental companies for damage or theft, including key cover, misfuelling, and drop-off charges up to £300.
How does private car excess insurance work?
Pays your main insurance excess directly to garages for claims related to accidents, theft, fire, or vandalism, preventing out-of-pocket expenses.
Is home excess insurance worth it?
Protects against unexpected excess deductions for home insurance claims, particularly beneficial for those unable to cover £1,000+ excess payments.
What's included in roadside assistance?
24/7 breakdown support with up to six call-outs annually, including recovery, alternative transport, and emergency accommodation up to £500.
How does GAP insurance protect me?
Covers the financial gap between motor insurance payouts and original vehicle value or outstanding finance agreements following total loss incidents.
How do I make a claim?
Contact our claims team within 30 days via phone or email with policy details and documentation for verification and processing.
Reviews (3)
Tomas Sikola
Feb 28, 2021
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I do have to say that I was very pleasantly surprised by this company. I travel a lot and tend to hire cars whilst abroad. I never had a claim and kept buying insurance from various insurance companies on the cheaper side of offer but was always a bit worried whether they would pay any claim if there was one. I was always lucky and never had to claim until last month. I have to say that it took me like 15 minutes to fill in all the forms and it took them like a week to process my claim. Result? Got all my money back! Will definitely buy insurance here the next time I travel!
Alejandra Fernandez
Jul 11, 2020
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I have purchased a couple of times a Car Hire Excess Insurance and I didn't have any issues. 100% recommend!
Lydia Jenkins
Jun 29, 2018
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I can't say enough good about this company. I had an accident on a hire car, and it was covered meaning I got my entire 1200 back. Harry was who I dealt with, he was polite and courteous, and happily dealt with my case. I can't recommend you guys enough - you've got a customer for life and I'll be telling everyone I know to use you!
