Munchie
Member
Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
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ran into the back of sum1......a shitty R reg subaru.
anyway, my vol excess is £1,000
As its my fault, do I pay this to the insurance company? or because he is claiming of me, its different?
I dont understand how it works, im trying to do this outside of insurance though 
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sand-eel
Member
Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline
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If you go through insurance you will pay £1000.
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sand-eel
Member
Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline
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Is that your excess in total or just the voluntary excess? whats the compulsary?
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DannyB
Premium Member
Registered: 6th Feb 08
User status: Offline
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Try and settle without going through insurance, and hope they don't put in for whiplash.
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Munchie
Member
Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
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trying to but i think the quotes will be huge
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Where did you kit them, any damage pics?
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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If he claims on you, you don't pay your excess.
If you claim on your own insurance to fix your car, you pay the excess.
The excess is only payable when *YOU* claim on your own insurance, regardless of faul or non-fault claims. A 3rd party claiming on your insurance does not require you to pay the excess.
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Munchie
Member
Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
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on my fone yeh, its fookj all man! on way to manc, gutted
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Munchie
Member
Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
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yeh so who pays for his damage then?
[Edited on 03-07-2009 by Munchie]
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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He will claim on your insurance. Your insurance co will pay for his repair, or write of his car if its beyond economical repair.
You will not pay an excess unless you claim for repairs to your own car.
[Edited on 03-07-2009 by PaulW]
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Munchie
Member
Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
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fucking excellent.....then my premium goes up?
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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Not until renewal, but yes as you will have a claim against you.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Indeed Munchie. Did you do it on the M62 by any chance?
It's a fuckin cunt that motorway at rush hour!! M53 for the win 
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