Property Excess Buy Back Protection
Protect Your Cash Flow from High Insurance Excesses
Call Our Team: 01425 486650
Protect Your Reserves & Avoid Unexpected Shortfalls
Working alongside your policy
When a claim is made on your block of flats insurance, one of the first financial hurdles is the policy excess.
Whether it’s compulsory or voluntarily increased to reduce premiums, excesses on residential block policies can be significant, especially for risks such as:
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- Subsidence
- Flood damage
- High-risk locations
- Escape of water
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What Is Excess Buy Back Protection?
It works alongside your existing policy, giving you financial protection exactly when you need it most.
Big Claims, Covered
Large insurance claims can come with equally large excesses, sometimes reaching tens of thousands of pounds. Excess Buy Back Protection ensures that when a major incident occurs, such as severe water damage, flooding, or structural issues, you’re not left absorbing a significant financial hit.
Result: You can handle major claims with confidence, knowing the excess won’t impact your budget.
Cash Flow, Protected
Unexpected excess payments can disrupt carefully planned budgets, reserve funds, or service charge allocations. By reimbursing the excess after a claim, this cover helps maintain stable cash flow and avoids the need for emergency funding or sudden contributions from leaseholders.
Result: Your finances remain predictable, even when claims are not.
Unexpected Costs, Under Control
Insurance is there to protect you, but high excess levels can still leave you exposed to sudden, unplanned costs. Excess Buy Back Protection removes that uncertainty by turning a potentially large, unpredictable expense into a manageable and recoverable amount.
Result: Greater financial control, fewer surprises, and improved long-term planning.
Why is Excess Protection Important?
Loss Recovery Insurance provides independent, professional representation to help you manage and negotiate a property insurance claim, particularly when the loss is complex or high value.
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Water damage accounts for up to 40% of all property claims in residential buildings
Add loss recovery protection to your policy today.
Designed for Property Owners & Managers
– Block management companies
– Freeholders & landlords
– Resident Management Companies (RMCs)
– Property managing agents
It’s especially valuable for buildings with high voluntary excesses to reduce premiums.
Tailored Solutions
Flexible options designed to meet the unique requirements of your block of flats.
Trusted Expertise
Backed by years of experience in supporting residential and community associations.
Peace of Mind
Safeguard your property, liabilities, and people with reliable, robust insurance solutions—all at competitive premiums.
Our in-house claims department
Here at A-One, we benefit from an in-house claims department. This means that should you need to make a claim on your policy, you will be appointed a dedicated claims handler to manage your claim from start to finish. Our handlers will bridge the gap between you and your insurer. Working to achieve the best possible outcome on your behalf.
This means you'll have one point of contact to manage your claim from start to finish.
Excess Buy Back Protection FAQ’s
What is an insurance excess?
An excess is the amount you must pay towards a claim before your insurer pays the remainder.
Does Excess Buy Back replace my buildings insurance?
No. It works alongside your existing policy and only reimburses the excess after a valid claim.
When does the policy pay out?
Once your main insurer has accepted the claim and deducted the excess, the buy back policy reimburses that amount.
Who should consider this cover?
Anyone responsible for managing or funding property insurance excesses, including landlords, freeholders, and managing agents.