Claim:  You are making a claim when you ask your insurance provider to repair, replace or reimburse you when something goes wrong. You usually put in an insurance claim by calling the company. They will ask you some questions, and then process your claim. They will check to see if it fits within your insurance contract, and if it does then they will approve your claim.
Excess:  When you claim on your insurance, you will have to pay an excess. The amount varies depending on your insurance contract. An excess is the contribution which you pay towards your insured loss costs, and your insurance company will pay the rest of the agreed amount.By increasing the amount of excess,you may reduce the cost of the insurance premium but you would need to be in a position to fund the excess if you suffered an insured loss.This is the where CLAIMYEXCESS steps in and can assist you in decision making when selecting the Excess amount for your insurance policy and the CLAIMYEXCESS reimbursement amount.


Our CLAIMYEXCESS reimburses your Vehicle Insurance Excess, if a claim happens due to an accident and later followed by the successful settlement of a claim.

Once YOUR related lead/main insurance company settles the claim after deducting an Excess (which normally can be $500/$1000 or more), at the absolute discretion of APPSOFT LTD and its terms and conditions, CLAIMYEXCESS cover pays You the deducted Excess for that risk - up to the arrived amount derived from YOUR risk selection ( stated in the Confirmation of Cover ‘CoC’ issued by Us).

Motor vehicle insurance can also cover you against any damage you might cause to someone else's vehicle or property.


  • You are only covered up to the limit stated in your policy

  • You to take reasonable care to avoid accidents and theft.

Uninsured Motorist Extension

New Zealand motor insurers generally include an uninsured motorist extension, or innocent party protection, in their policies. Under the terms of this extension, the insurer will waive the policyholder's excess and maintain their no claims discount if the vehicle is damaged by an uninsured driver — provided the uninsured driver can be identified and they acknowledge their involvement in the accident.