EXCESS – this is an agreement with your Insurance Company to pay a certain amount of money towards your repairs in the event of an accident. The agreed excess is payable regardless of who is at fault for the accident but if you are not at fault for the accident then you can claim this back from the other Parties Insurance company. If you are at fault for an accident you do not have to pay an excess towards the other persons repairs, this will be paid by your Insurance company. Your excess is payable towards YOUR repairs only.

A common misconception: Your policy excess is £250 and you’ve had an accident where you are at fault. You do not pay £250 towards your repairs and £250 towards the other drivers repairs. Your Insurance Company will pay the £250 towards the other persons repairs. Your excess concerns YOUR vehicle and YOUR repairs only.