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Car insurance Question (regarding excess)

Found 15th Aug 2009
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?

20 Comments

If YOU claim on YOUR insurance YOU pay the excess.

if it is not your fault, then you claim on their insurance, and therefore no excess has to be paid by you as it is not your policy you are claiming on

Be very careful with a policy with an excess of £1500. Are things like windscreen damege covered? Am i right in presuming that you are a young driver with no noclaims bonus? if so then maybe a "pay as you drive " scheme would work out better value. ]http//ww…Kjg

Original Poster

Im 26
2 years NCB

The ncb scheme does not make a single difference, im earning NCB for nothing. For instance last years insurance was £900 the renewal after gaining another NCB was £1350. I have never ever made a claim and been driving for 8 years.

J4GG4;6025617

Im 262 years NCBThe ncb scheme does not make a single difference, im … Im 262 years NCBThe ncb scheme does not make a single difference, im earning NCB for nothing. For instance last years insurance was £900 the renewal after gaining another NCB was £1350. I have never ever made a claim and been driving for 8 years.



wow what are you driving? have you tried finding a better quote? with less excess?

Whilst generally yes you are initially responsible for paying the excess even of the accident is not your fault, it is becoming more and more common for insurance companies to waive the payment if there is a high chance of recovery from the other party. They simply "charge" everything to the other side although this is not guaranteed.
On a day to day basis, I find Liverpool Victoria especially are doing this (they do have a number of different companies in the same group, Highway Insurance, ABC Insurance and LV to name but a few) but best to check before hand.

Original Poster

3.2 mercedes

tried so many places

a friend of mine lives 10 mins from me, is 2 years younger, drives a bigger faster car NO NCB and his premium is 900. Me with the same company is £1560

Original Poster

marktuck;6025635

Whilst generally yes you are initially responsible for paying the excess … Whilst generally yes you are initially responsible for paying the excess even of the accident is not your fault, it is becoming more and more common for insurance companies to waive the payment if there is a high chance of recovery from the other party. They simply "charge" everything to the other side although this is not guaranteed.On a day to day basis, I find Liverpool Victoria especially are doing this (they do have a number of different companies in the same group, Highway Insurance, ABC Insurance and LV to name but a few) but best to check before hand.



So if your a extremely confident driver i see no reason to bump your own excess up to get your insurance for HALF PRICE.?

With criminal damage the excess needs to be paid (there is no other insurance to claim off therefore it is off your own) 1st weekend I had my car it got broke into, I couldnt get it repaired as after paying £2k outright for my insurance I couldnt afford the excess...plus I didnt want the insurance to go up the following year :x

when i claimed on my insurance a couple years back, they said i would normally have to pay the excess then they would claim it back from the other party's insurance if i wanted to get the work done before the other party admitted liability.

Original Poster

cassieismydoggie;6025655

when i claimed on my insurance a couple years back, they said i would … when i claimed on my insurance a couple years back, they said i would normally have to pay the excess then they would claim it back from the other party's insurance if i wanted to get the work done before the other party admitted liability.



Thats exactly what i just read up thro a google search

J4GG4;6025680

Thats exactly what i just read up thro a google search



Should have asked me first then, buddy, could of saved u some time ... hehe :-D

cassieismydoggie;6025655

when i claimed on my insurance a couple years back, they said i would … when i claimed on my insurance a couple years back, they said i would normally have to pay the excess then they would claim it back from the other party's insurance if i wanted to get the work done before the other party admitted liability.



yeh this happened to my GF, got it back but hers was only £100.

I used Admirals NCB accelarator which is 10 months cover but gets you a full years NCB quicker

Original Poster

vinylandtrinkets;6025893

this isnt always the case, when a car hit me in the rear and totalled my … this isnt always the case, when a car hit me in the rear and totalled my car I had to pay my OWN excess before the insurance company would settle. this was with Churchill why would you want to have your excess so high? ive been checking the prices as ours it up next month and ive noticed that most of the larger companies are now charging voluntery excess and compulsory excess, so be very very careful with this.Churchill for instance was £150 vol and £500 compulsory so then thats £650 before you start any claim.



Because for instance ive been quoted

£1600 + £350 excess so = "£1950 if i make a claim
or
£800 + £1500 excess so = £2300 if i make a claim

If i dont make a claim i save £800

so im running the risk of losing £300 more than the lower excess policy. Chances are you wont crash and i hav nt touch wood in 8 years.

So your telling me youd rather pay £800 more than the higher excess policy JUST INCASE you crash. Still works ou £1150

Original Poster

Third party ive been quoted £850 with £250 excess but its risky. If it catches fire im not covered. If there criminal damage im not covered.

J4GG4;6025648

So if your a extremely confident driver i see no reason to bump your own … So if your a extremely confident driver i see no reason to bump your own excess up to get your insurance for HALF PRICE.?



Bear in mind that you're working on the assumption that in the event of a crash which you're not at fault you're relying on the driver having valid insurance. If they don't you can end up having to claim on your insurance.

For what it's worth when faced with the option of a high excess (700) and a cheaper policy I went for that rather than a more expensive policy and a lower excess. It is a gamble of course though. Seems a lot of money but from what you're saying it sounds like you're in a higher risk area for the insurance company.

John

most excess I've had is £700 and I didn't need to claim on it... if your car is worth a lot then go with a high excess if you are careful and want to save, if not then i'd say go with a lower excess because I always compare the excess to the worst case scenario (i.e. write off)... because £1500 is nothing if your car is worth a lot... but if its worth say 10k... then I'd be a bit miffed about paying £1500 and the insurance company probably wont pay out 10k even...but you are right about claiming excess back if its not your fault...and you should always get covered against uninsured drivers... otherwise you have to go through courts and sue them. I've never claimed insurance yet thank god.

Banned

kyalion;6025550

If YOU claim on YOUR insurance YOU pay the excess.

r

and claim it back if not your fault..... unless claim settled before repair then its waivered if not your fault still

J4GG4;6025643

3.2 mercedestried so many placesa friend of mine lives 10 mins from me, … 3.2 mercedestried so many placesa friend of mine lives 10 mins from me, is 2 years younger, drives a bigger faster car NO NCB and his premium is 900. Me with the same company is £1560



mate try bell (part of admiral group), they do 10 for 12 ncb. and also direct line and prudential... also garaged, factory alarm, social only and
Mercedes-Benz...wtg.

I had to pay my excess when some silly cow wrote my car off last year - I am still waiting to claim it back from her insurance over 12 months later!

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