Are you liable to pay the excess on your insurance if a accident is not your fault? Or is that option there if it is your fault? what circumstances would mean you HAVE to pay it? criminal damage?..ect
Reason im asking is because ive done a insurance quote and im getting quoted £800 CHEAPER with the excess at £1500 rather than £250. So in the short run i can save £800 but in the long run if i need to claim i could lose £1500. So need to know aslong as a accident is NOT my fault i surely do not have to pay excess?