When do you pay excess on car insurance

When do you pay excess on car insurance? You pay the excess in the event of any claim made on your insurance policy regardless of who's to blame. However, if it's proved the accident was the other person's fault and the full cost is recovered from their insurer, you may be able to recover this amount.

Do you always have to pay excess?

Do I have to pay an excess on my car insurance policy if only the other party is claiming? An excess is the amount you pay towards your own repairs or claim, so you don't have to pay an excess for a third party's claim. Also, if you don't claim for your own damage, you don't pay an excess either.

Do you pay excess on each claim?

Types of excesses\n\n Most insurance policies have a standard excess or a voluntary excess. The standard excess applies to every claim, while voluntary excess is chosen by you and can reduce your premium. If selected, this nominated higher excess will replace your standard excess.

Do I get back my excess?

Paying excess for a car accident that isn't your fault\n\n If your insurance company have dealt with the claim, they should claim the excess back for you. If you have a no fault accident, a credit hire company can also make a claim on your behalf.