I've been using a car to get to college over winter so had insurance for a few months which I've just cancelled. I only noticed now that the excess was £1000 for any accident I was involved in when I wasn't even at fault. Good job I cancelled it now because that is shocking having to pay £1000 for something that wasn't your fault. The policy wasn't exactly cheap either.
what a disgrace
- Thread starter mufc802
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Soldato
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+1
I also blame the person who was mad enough to take out the policy in the first place
So you paid for a policy that 'wasn't exactly cheap' without even knowing what you were paying for?
Excellent work.
To be honest I must have put it that high to make the overall policy as cheap as possible, but I didn't realize you had to pay when it wasn't your fault in the accident.
I had to get the insurance to get to college, if I had taken more care I wouldn't have gone through with it. I've learned a lesson and will never do this again.
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You only pay when there is no third party who will pay.
It says on the piece of paper "an excess is the amount you must pay in the event of any claim, regardless of who is to blame for an incident."
It says on the piece of paper "an excess is the amount you must pay in the event of any claim, regardless of who is to blame for an incident."
Yes, that's how it works. Any time you claim from your insurer you pay it. But if its someone else's fault, you claim from them instead.
It says on the piece of paper "an excess is the amount you must pay in the event of any claim, regardless of who is to blame for an incident."
Yes, but if your insurer gets an admission of liability from the other side before your repairs are due then they can choose to waive the excess and claim it from the other side.
Otherwise you will have to pay the excess and then claim it back from the other side's insurer when they are held at fault.
Even if they didn't you could try claiming through the Motor Insurers' Bureau or just take them to the small claims court.
This is why its a silly idea to involve your own insurers in the claim process when its not your fault and there is no dispute around liability.
n00b
This.