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Author Insurance Excess question
Rob_Corsa
Member
Registered: 4th Apr 02
Location: Derbyshire
User status: Offline
   7th Jan 08 at 20:16   View User's Profile U2U Member Reply With Quote
Recently I reversed into a neighbours car. Obviously it was my fault, his car was damaged but did nothing to mine.

I'm fully comprehensive and was expecting to have to pay the excess on my policy but according to my insurance company (Elephant), because im not claiming for any damage to my car only the one I hit I dont have to pay any excess.

Does anyone know "for sure" that this is the case cos i was suprised when i was told this.

Thanks.
Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
7th Jan 08 at 20:17   View User's Profile U2U Member Reply With Quote
Not sure, but if thats what your insurance company are telling you then just got for it!

Make sure you get it on paper though.
Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
7th Jan 08 at 20:17   View User's Profile U2U Member Reply With Quote
your making a claim on YOUR insurance, surely you have to pay the excess.

Going by their theroy...who does pay the excess?
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Offline
7th Jan 08 at 20:21   View Garage View User's Profile U2U Member Reply With Quote
Get it in writing and look happy.
Simon_16v
Member
Registered: 14th Aug 06
Location: Yorkshire
User status: Offline
7th Jan 08 at 20:25   View User's Profile U2U Member Reply With Quote
When i had my accident i didnt pay any excess either.

Good job as my excess is £600
Rob_Corsa
Member
Registered: 4th Apr 02
Location: Derbyshire
User status: Offline
7th Jan 08 at 20:27   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by SRi_Si
When i had my accident i didnt pay any excess either.

Good job as my excess is £600


Who were you insured with and did you not claim for your own car?
Simon_16v
Member
Registered: 14th Aug 06
Location: Yorkshire
User status: Offline
7th Jan 08 at 20:29   View User's Profile U2U Member Reply With Quote
At the time i didnt claim on mine as with the price of he excess they would of propbably wrote my car off.

Im with zurich i think
Rob_Corsa
Member
Registered: 4th Apr 02
Location: Derbyshire
User status: Offline
7th Jan 08 at 20:34   View User's Profile U2U Member Reply With Quote
I just phoned elephant again and spoke to someone else to check and they said the same thing. Was expecting to shell out the £350 excess

 
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