deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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Just need to clear something up quick for the missus.
If someone claims off you but you aren't claiming for yourself, do you need to still pay an excess?
I'm 99.9% sure you don't, and that you only pay an excess if you claim for your own car.
[Edited on 26-06-2008 by deano87]
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tom_simes
Show Staff
Organiser: South Wales
Premium Member
Registered: 12th Jan 05
Location: Undy, Newport Drives: Skoda Octavia vRS estate
User status: Offline
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If the accident is your fault, you pay the excess.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Fault accident you pay
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swill_omnibus
Member
Registered: 12th Dec 07
Location: : S. wales Drives: Dodge Caliber
User status: Offline
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Yep you pay the excess
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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Even if you yourself aren't claiming for damages to your car?
The scenario is.
Car A door swung open in the wind and dented Car B, which is parked next to it. Car A has no damage and will not be claiming.
Car B has small dent, and is claiming off Car A.
Car B claims of Car A's insurance. Car B pays no excess because it wasn't their fault.
Does Car A pay an excess?
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tom_simes
Show Staff
Organiser: South Wales
Premium Member
Registered: 12th Jan 05
Location: Undy, Newport Drives: Skoda Octavia vRS estate
User status: Offline
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Yes, as it was their fault Deano.
Thats where excess charges come in with a TPFT policy as well, if you write off your own car in an accident with another car, which was your fault, you don't get a penny but you pay the excess.
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