SimplyExcess.com is a legitimate UK-based insurance intermediary offering excess reimbursement policies for car hire and travel. It is authorised and regulated by the Financial Conduct Authority, which provides meaningful consumer protection. Reviews are mixed but broadly acceptable, and the product itself is a genuine, useful alternative to expensive rental company excess waivers.
SimplyExcess.com is a UK-registered insurance intermediary that has been operating since around 2015, specialising in excess reimbursement insurance for car hire and travel. The company is authorised and regulated by the Financial Conduct Authority (FCA), which is the critical baseline requirement for any UK insurance provider. Its Companies House registration is active, and the site operates with standard security protocols in place. These fundamentals confirm it is a genuine, legal business rather than a scam operation.
The main strength of SimplyExcess.com is its FCA authorisation, which means policyholders have recourse to the Financial Ombudsman Service (FOS) if a claim is mishandled or unfairly rejected — a significant consumer protection. However, Trustpilot reviews are mixed, with a recurring theme around claims handling being slower or more bureaucratic than customers expect. Policy documentation is available but can contain detailed exclusions, particularly around pre-existing damage and specific vehicle categories, so reading the small print before purchasing is essential.
For UK consumers looking to avoid paying inflated excess waiver fees at the car hire desk, SimplyExcess.com represents a credible and cheaper alternative. Before buying, confirm your specific vehicle type and hire location are covered under the policy wording. Given the FOS access and FCA oversight, your money is not at undue risk — but set realistic expectations for claims turnaround time and keep all documentation from your hire company if you need to make a claim.