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    Insurance Excess Advice

    missus had someone bump her car last week. bloke wasnt wanting to go thru insurance, but to be on the safe side we made the call to our insurance company as didnt didnt really trust the guy that bumped into her.

    the claim is going thru, but theyve now asled for the excess to be paid. i was under the impression that should you be the victim of the accident then you dont pay the excess its the other party, because its their fault.

    the excess is potentially more than the repair on the car. never had a bump before so hence the reason for poss being a dummy....

    advice appreciated.

    9 Comments

    a lot of insurance companies try to go for the easy way out and take knock for knock. You should claim your excess back or tell your insurance company to claim it from the other drivers insurance - god luck

    Original Poster

    pushkin2000;7484843

    a lot of insurance companies try to go for the easy way out and take … a lot of insurance companies try to go for the easy way out and take knock for knock. You should claim your excess back or tell your insurance company to claim it from the other drivers insurance - god luck



    so im kinda right thinking that we shoudlnt be paying it.....

    Its common to pay the excess and then claim it back off the third party later.

    Banned

    I've worked in motor claims for 8 years, so I know a little about this!

    Firstly, ask your insurers if they are willing to waive the excess, some do. Out of interest, who are you insured with.

    Secondly, what were the circumstances of the accident?

    Thirdly, if you do pay it, you'll be given a receipt by the garage and your insurers will either claim it back for you but more likely they will appoint an uninsured loss recovery company to claim it back for you under the legal cover on your policy. If you don't have legal expense cover, your insurers aren't obliged to help you claim the excess back. If this is the case, ask them for the insurance company details for the other party and contact them yourself.

    You do mention that the excess MAY be more than the repairs. If this is the case, your insurance company will not be able to help you. The excess is the first part of the cost of the claim that you have agreed to pay. So if it's more than the repair costs, you will have to pay for the repairs yourself then try to claim this money back from the third party insurers yourself or via the uninsured loss recovery company if you have legal expense cover.

    Banned

    pushkin2000;7484843

    a lot of insurance companies try to go for the easy way out and take … a lot of insurance companies try to go for the easy way out and take knock for knock. You should claim your excess back or tell your insurance company to claim it from the other drivers insurance - god luck



    Insurance companies do not deal on knock for knock basis and haven't done for the 8 years I have worked in the industry

    Original Poster

    DanJackson;7484878

    Firstly, ask your insurers if they are willing to waive the excess, some … Firstly, ask your insurers if they are willing to waive the excess, some do. Out of interest, who are you insured with. Secondly, what were the circumstances of the accident?Thirdly, if you do pay it, you'll be given a receipt by the garage and your insurers will either claim it back for you but more likely they will appoint an uninsured loss recovery company to claim it back for you under the legal cover on your policy. If you don't have legal expense cover, your insurers aren't obliged to help you claim the excess back. If this is the case, ask them for the insurance company details for the other party and contact them yourself. You do mention that the excess MAY be more than the repairs. If this is the case, your insurance company will not be able to help you. The excess is the first part of the cost of the claim that you have agreed to pay. So if it's more than the repair costs, you will have to pay for the repairs yourself then try to claim this money back from the third party insurers yourself or via the uninsured loss recovery company if you have legal expense cover.



    Shes insured with ibuyeco, but they use Zurich. Bascially the other party shunted her while she was turning right. Apparently he didnt see her, but she said she been waiting to go right for at least 20 seconds so he must have done on the approach to her.

    hes took a load of paintwork off & cracked/split the back end of the bumper. The excess is £350 & i reckon it'll prob be slightly less to fix. on the letter from Zurich it says

    On completion of repairs we will settle the invoice directly with the repairer, however you will be required to pay the sum of 350 upon collection of your vehicle.

    we do have legal protection on the policy. when you say i can claim the money back from the uninsured recovery ppl, whats this??

    Banned

    lanc_red;7484974

    Shes insured with ibuyeco, but they use Zurich. Bascially the other party … Shes insured with ibuyeco, but they use Zurich. Bascially the other party shunted her while she was turning right. Apparently he didnt see her, but she said she been waiting to go right for at least 20 seconds so he must have done on the approach to her.hes took a load of paintwork off & cracked/split the back end of the bumper. The excess is £350 & i reckon it'll prob be slightly less to fix. on the letter from Zurich it saysOn completion of repairs we will settle the invoice directly with the repairer, however you will be required to pay the sum of 350 upon collection of your vehicle.we do have legal protection on the policy. when you say i can claim the money back from the uninsured recovery ppl, whats this??



    OK, firstly, Zurich don't usually waive the excess. You can try arguing with their claims team, but they're based in India and strictly stick to their scripts and don't really go off them.

    If you have legal protection, they will appoint a company to claim back your excess for you. They SHOULD have done this already when they set the claim up as it's a clear non-fault claim. However it may be worth calling them to make sure they have.

    That company will either call or write to you with their contact information and you just need to get in touch with them when you have your excess receipt and they will present it to the third party insurers for reimbursement.

    Unless it's a very old car, I imagine the cost of replacing the bumper is going to be a lot more than £350. If it's cracked, they'll replace it rather than fix it as most modern bumpers are plastic and would need replacing if they crack. The garage would also need to take the bumper off anyway to check there is no further damage underneath.

    Original Poster

    good advice & help mate, have some rep. appreciate your help. things a little clearer & cant wait for the indian hassle

    kidcat;7484871

    Its common to pay the excess and then claim it back off the third party … Its common to pay the excess and then claim it back off the third party later.


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