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Thread: insurance excess

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    Regular Member craigbarlow18's Avatar
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    Default insurance excess

    Being ive never had to claim on any insurance home or motor, i was wondering what happens if you have an excess?

    Do you have to pay up before they pay out or does it get added to your premium,

    And whats the procedure in claiming for own fault accidents in a motor policy, (say you hit a post) do you have an assesor cpme out and take all your details mot, licence etc

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    When my sis claimed, she had to pay after everything was sorted and it was added onto her Direct Debit for 3 Months afterwards.

    Not sure if this is the norm though

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    Regular Member craigbarlow18's Avatar
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    reason i ask is there is someone i suspect does not have d/l cant prove it though, but they do have insurance, surely insurance what check with dvla on purchase.

    This person never gets stopped as pips picks up as insured

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    Ex Vec-C Admin Stevel's Avatar
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    If it's the other parties fault and the car goes to an "Approved" Repairer the excess is picked up by the Insurance Company. If you go with a garage of your choice you have to pay the excess and then claim it back.

    If it's your fault you pay the excess.

    Excess is paid when you pick up car.

    An Assessor will check the car at the garage if it's a reasonably expensive repair. I had one done (non fault) which they didn't bother checking.

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    The excess is the amount you pay of any claim.

    e.g. if you have a £200 excess and you make a claim for £600, you pay £200 and the insurance company pay £400.

    The bigger the excess you have, the smaller your premium. You don't really pay for it as such. It is a way of reducing your premium but it doesn't make a huge difference IMO and it might come back to haunt you if you have a big accident.

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    And in the event of a non fault write off, your company will payout less the excess if you are fully comp, you then claim the excess back once the claim is settled.

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    Regular Member JSYSH466Y's Avatar
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    When some dizzy old bird decided she wanted my front end and thus ripped it off, I had to pay £500 until the claim was settled. It then took ages to get the money back and we never got the interest back which had accrued ont he card. We also didnt get all expenses ie calls and petrol money for the uneconomical s***** little renault they gave me

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    Regular Member ade0303's Avatar
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    Quote Originally Posted by craigbarlow18 View Post
    reason i ask is there is someone i suspect does not have d/l cant prove it though, but they do have insurance, surely insurance what check with dvla on purchase.

    This person never gets stopped as pips picks up as insured
    If you haven't got one you have lied on you insurance application and the policy is void

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    Regular Member craigbarlow18's Avatar
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    yeah but dont they check at time of purchase? or time of accident, should be time of purchase imo

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    Regular Member ade0303's Avatar
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    Quote Originally Posted by craigbarlow18 View Post
    yeah but dont they check at time of purchase? or time of accident, should be time of purchase imo
    no, every company makes assumptions, they are al listed on the quote before you purchase. Having a drivers license is assumed as without it you would be breaking the law by driving the car and as a result would be uninsured

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