Matching excess coverage is a term, matching excess coverage refers to insurance provided by what would otherwise be the main policy, but contains another “deductible” type insurance clause that says that only in respect of a certain set of circumstances, the policy provides excess coverage. insurance. coating. In other words, the status of insurance as a deductible is based on a combination of factual circumstances. For example, a business vehicle policy (BAP) may contain a different insurance clause that says it provides additional coverage for any non-owner vehicle. For owned vehicles, BAP will provide regular primary coverage, but for non-owned vehicles, BAP will provide occasional overage coverage.