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Corsa Sport » Message Board » Help Zone, Modification and ICE Advice » insurance,someone please explain wat "Excess" means??? » Post Reply
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Bart |
posted on 28th Aug 03 at 08:54 |
quote: yeah im sure thats how it is. very few insurance companies will pay it them selves and then claim it back. If its not your fault then you push for a courtesy car. And because you got whip lash, you need a few days off work. Then make sure you apply for loss of earnings, and put in for the whip lash. My girl friend had accidant last year, someone went into the back of her, and naturally she had a few days off work. she got a extra £1500 for whip lash (which i pursuaded her to put in for), and £200 for loss of earnings. As far as whip lash is concerned anyway you should always put in for it, it mite not affect you straight away, but later on in life :( time to get some of that hard earned money back from the insurance :) (it mite put everyone elses insurance up.. but hey! :P) | |
roy_newell |
posted on 28th Aug 03 at 02:00 |
Ian are you sure cause when my dad had a crash (bear in mind this was a few years ago) I'm sure he didn't have to pay excess, I mean why should you if it isn't your fault | |
Ian |
posted on 27th Aug 03 at 20:34 |
Roy - I'm not sure that you are correct on that one! | |
M4tt |
posted on 27th Aug 03 at 17:41 |
quote: yeah.... you not exactly gonna pay 600 quid out if you could get it done yourself for 300 quid. | |
Moony1234 |
posted on 27th Aug 03 at 17:38 |
thats why if you do under £600 damage u just pay for it yourself :) | |
Neshol |
posted on 27th Aug 03 at 16:18 |
thats stoopid | |
roy_newell |
posted on 27th Aug 03 at 14:16 |
and if the claim was only £300 you would still have to pay £600 excess, its a set amount i'm afraid | |
roy_newell |
posted on 27th Aug 03 at 14:15 |
you don't pay excess if someone drives into you, they pay the excess on their insurance company, and you're insurance company don't pay a penny, it all comes from the other one | |
MoNkEy MaGiC |
posted on 27th Aug 03 at 12:55 |
so if the claim was only say 300quids worth i would pay only 300 rite, upto the maximum of my excess which is 600?? | |
Bart |
posted on 27th Aug 03 at 11:51 |
if its their fault then ur ok. | |
Makarus |
posted on 27th Aug 03 at 11:49 |
If someone hits into you you may find it easier to pay the excess straight away and get your car back on the road, you will get it back in the end once fault has been established and such like. | |
MoNkEy MaGiC |
posted on 27th Aug 03 at 11:38 |
oh right i see. so if its MY fault i HAVE to pay excess!! | |
Bart |
posted on 27th Aug 03 at 11:36 |
yes it is up to you whether or not u get ur car repaired, but you would still have to pay the excess on the 3rd partys car. | |
Bart |
posted on 27th Aug 03 at 11:34 |
excess: | |
MoNkEy MaGiC |
posted on 27th Aug 03 at 11:29 |
my excess is 600quid:! |