Excess ö when is it applicable ?

[KARL]

While my wife was getting quotes for car insurance, a thought occurred to me. Clearly if there is an incident between two vehicles that results in damage and both you and the other party claim, you have to deduct the excess from your claim and that is what (maybe) you will get. But what if only the other party claims and you are deemed to have at least some fault to answer for, do you still get charged the excess ? In other words, if you want to accept damage to your vehicle and not involve the insurer in that issue, but you want them to indemnify you regarding the third party's claim, are you liable then to actually contribute the excess toward that claim (i.e. from your own funds) ?

[flip_flop]

No.

The excess relates to your own damage only.

The rare exception to this is known as an 'All Sections' excess. In this situation you would have to bear your excess for the other party's damage.

This is extremely rare and generally only applies to fleet insurance.

[R1Geezer]

the golden rule is never ever involve your own insurer unless you absolutely have to.