Terms and Conditions

Terms & Conditions

In the event of an accident, you must contact XS PAID before contacting your insurer.

An XS PAID Insurance Policy covers Cars, LCVs and MPVs. No motorcycles or commercial vehicles.

The XS PAID Insurance Policy must be taken out before an accident, becomes active with immediate effect from the date of purchase valid for 12 months from that date.

Our policies can cover up to £1000 excess on your motor vehicle insurance.

XS PAID will arrange the repairs to your vehicle at one of our national approved accident repair centres/ bodyshops.

No accident repair centre / bodyshop will be authorised to carry out repairs to any vehicle unless they are part of the XS PAID repair network of repairers / bodyshops.

XS PAID policy covers the amount of excess detailed on the policy direct payment will be sent to the XS PAID approved bodyshop on completion of repairs.

All members must be covered by a fully comprehensive insurance policy for the damaged and covered vehicle.

The excess is only payable on all vehicles where an insurance claim is applicable. Your XS PAID policy also covers your excess in the event your vehicle is deemed un-repairable or stolen un-recovered vehicles.

Vehicles must be repaired at one of XS PAID approved accident repair centres / bodyshops to claim for your excess to be paid. Where vehicles have to be repaired at none XS PAID approved accident repair centre / bodyshop please contact XS PAID for authority and advice.

XS PAID reserves the right to terminate the policy at any time in breach of conditions.

XS Paid Limited is authorised by the Financial Conduct Authority ((Reference number: 648966) to conduct Non Investment Insurance Contracts as an Appointed Representative of Kinetic Insurance Brokers Limited (Firm Reference No. 309540). The principal trading address of Kinetic Insurance Brokers Limited is 3rd Floor, PO Box HQ420, St Helen’s, 1 Undershaft, London, EC3P 3DQ. You can check this by visiting the FSA FCA website at https://register.fca.org.uk