An accident is stressful enough without an unexpected bill landing before the repair has even started. Whether the crash was your fault or someone else’s, almost every motor policy carries an excess — the fixed amount you agree to pay towards any claim — and it is the part drivers most often forget about until they need to claim. On many policies that excess runs to several hundred pounds. Bodyteq’s Excess Guarantee is designed to take that sting away, so a knock to your car does not have to mean finding money out of your own pocket first.
This page explains exactly what the Excess Guarantee is, how it works with a simple worked example, what is included, who qualifies, and why the choice of where your car is repaired is yours to make. It sits alongside our wider accident and insurance repair service, carried out at our Greenwich workshop in South-East London.
To find out more or arrange your repair, get in touch or call us on 0207 998 4712.
What is the Excess Guarantee?
The Excess Guarantee is a simple piece of protection you can buy from us for one small fee. In return, it covers your motor insurance excess up to £1,000 when we repair your vehicle. In other words, the amount your insurer would normally expect you to pay towards a claim before they settle the rest is taken care of — up to that £1,000 limit — so the repair can go ahead without you having to find that money yourself. It applies whether the accident was your fault or that of a named driver on your policy, and it is subject to the straightforward terms set out below.
How the Excess Guarantee works — a worked example
The easiest way to see the value is with an example. Say you, or a named driver on your policy, were involved in a fault accident and your policy excess is £500. Normally you would have to pay that £500 before your insurer authorises and settles the repair. With the Excess Guarantee in place, that £500 is picked up for you — so you are not left out of pocket for the excess before your car is put right. The same principle applies right up to the £1,000 limit, whatever your excess happens to be.
What's included
Every repair carried out under the Excess Guarantee is backed by the same standards as the rest of our work. You get genuine manufacturer parts, so your car is put back together with the correct components rather than cheaper substitutes. Every repair carries a 12-month guarantee. We can provide a courtesy vehicle to keep you mobile while your car is with us. And there are no hidden charges — what we agree is what you pay.
Who qualifies and how the guarantee works
Qualifying is deliberately simple. You need a valid motor insurance policy — and that is really the only condition. There are no age restrictions and no driver-history checks, so it does not matter how long you have held your licence or what your record looks like. The guarantee is issued for 12 months from the date you buy it and can be renewed, and it is redeemable when the damaged vehicle is repaired by us at our Greenwich workshop. In short, it is protection you can arrange in advance and call on if and when you need it.
The choice of repairer is yours
Here is the point many drivers do not realise: as the policyholder, it is your decision where your vehicle is repaired — not your insurer’s. You are free to choose Bodyteq. We handle accident and insurance repairs through your own insurer, dealing directly with them from estimate through to authorisation and settlement, so the claims side is managed for you. Where your car is repaired is one of the few parts of a claim that is entirely in your hands, and the Excess Guarantee is designed to make that choice easier by taking the excess out of the equation.
Why choose Bodyteq for accident and insurance repair
Bodyteq is a family-run accident and body repair specialist working from a fixed workshop in Greenwich, South-East London. Our technicians repair to manufacturer standards using genuine parts and premium paint systems, and every car is inspected and valeted before it comes back to you. Because we work with all insurers and manage the claim directly, an insurance repair with us is as straightforward as a private one — and with the Excess Guarantee, it can cost you less up front too. You can read more about how we handle claims on our accident and insurance repair page, or see our full range of car body repair and bodyshop services.
To arrange your Excess Guarantee, or to book an accident or insurance repair, get in touch or call us on 0207 998 4712. We are a fixed workshop in Greenwich and work by appointment, so please call or email to arrange a convenient time.
Excess Guarantee FAQs
An excess guarantee is a low-cost form of protection that covers the excess on your motor insurance claim. With Bodyteq’s Excess Guarantee, for one small fee we cover your insurance excess up to £1,000 when we repair your vehicle — so you are not left paying that amount out of your own pocket before the repair can begin. It is subject to the terms set out on this page.
The Excess Guarantee covers your motor insurance excess up to £1,000. If, for example, your policy excess is £500 on a fault claim, that £500 is picked up for you rather than coming out of your own pocket. The £1,000 figure is the upper limit, whatever your own excess happens to be.
Yes. As the policyholder, the decision on where your vehicle is repaired is yours, not your insurer’s. You are free to bring your car to Bodyteq. We work with all insurers and deal with them directly, handling the claim from estimate through to authorisation and settlement.
No. You do not have to accept the garage your insurer suggests — the choice of repairer is yours to make, and many drivers prefer to use a specialist they trust. We handle repairs through your own insurance and manage the claim for you, and with the Excess Guarantee in place your excess is covered up to £1,000 as well.
