Insurance Excess

[Alixw]

This is going to sound stupid, but I was just wondering how the excess you pay to insurers for a claim works. If you are invloved in an accident that isn't your fault, do you pay an excess on the insurance? I would have thought that as it wasn't your fault, you don't pay anything?

[jake-the-peg]

The excess represents the first �x of claim against your insurance policy.

If you're involved in an accident and the claim is against the other person's policy and not yours then you don't pay anything

[gsr600]

Hi
sorry jake the peg,
but i think you will find if there is damage to your vehicle,you will have to pay the access when your car is repaired.
when they eventually agree to who was at fault , if you were not to blame they will reimburse you your excess.
i am still awaiting my decision from an incident in JANUARY
i had to cough up �250.
Thanks

[Alixw]

Thats what i thought gsr600. paid out �400 excess and haven't had anything back!

Thanks for your help guys.

[Gef]

My car was written off in July. Other driver came out of a side street and rammed it broadsides. Within a week I had a letter fron my insurers confirming that I was not to blame, had no excess to pay and that I was entitled to a free hire car until my claim was settled.

[jake-the-peg]

Well lets say you shouldn't end up paying the excess then!

If the repairs to your car are being done at the expense of the other parties insurance company then obviously they can't ask for an excess as they have no contract with you.

If it's being footed by your insurance company then there's a claim and they can ask for the excess.