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thinfourth2
23,587 posts
73 months
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The excess on the micra is more then the car is worth but it is cheaper to insure it fully comp with a excess of 500 then it is to insure it 3rd party only 
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Meoricin
2,317 posts
38 months
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hora said: I see where you are coming from but what if its a proper accident, concussion, injuries etc? The 100 'saving' is suddenly a very bad idea. You don't pay your excess on a claim against you. You pay it if you make a claim on your own behalf.
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ZOLLAR
16,232 posts
42 months
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Meoricin said: hora said: I see where you are coming from but what if its a proper accident, concussion, injuries etc? The 100 'saving' is suddenly a very bad idea. You don't pay your excess on a claim against you. You pay it if you make a claim on your own behalf. It depends on your policy agreement.
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johnpeat
3,356 posts
134 months
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ZOLLAR said: It depends on your policy agreement. That. Some policies/types of claim require you to pay the excess on third-party claims too. It seems much less common that it used to be (my first 2/3 policies all specified it but none since then have) but I came across a couple of cases working in a bodyshop where there were issues with the third-party paying the excess and thus causing cars not to be released for repair.
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martin84
5,366 posts
22 months
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Surely the value of the car is also a factor? Insurance companies write cars off these days as though its going of fashion, a scuffed alloy is enough for a Cat D write off it seems. If the excess is higher than the car is worth then you'll never have to use it in a non-fault claim anyway, they'll just write the thing off.
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aruck
712 posts
108 months
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slipstream 1985 said: depends if your planning on crashing or not. Do people actually plan on crashing?!
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hora
16,579 posts
80 months
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Yes, on a lot of policies you pay out your excess then when its been decided which way the claim goes (could end up 50:50 in which case zip back). If its 100% no fault you could wait months.
My insurer wanted me to cough up my excess to 'handle my case' when I was rear ended and the other insurer admitted full responsibility within a day of the accident. My insurer wouldn't talk to me further without me coughing up the excess first.
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DiseasalDriver
781 posts
16 months
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If you can afford to pay £25,000 for a Focus RS and pay the subsequent fuel bills etc then I wouldn't have thought saving just over £100 over the course of a year would be a high priority.
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hora
16,579 posts
80 months
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DiseasalDriver said: If you can afford to pay £25,000 for a Focus RS and pay the subsequent fuel bills etc then I wouldn't have thought saving just over £100 over the course of a year would be a high priority. You mean wouldn't be a high priority?
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DiseasalDriver
781 posts
16 months
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hora said: You mean wouldn't be a high priority? Of course I do 
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DMT84
55 posts
26 months
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Admiral insisted on a compulsory excess of £5000 when I took a policy out with them on an M3 when I was 20. Would I have done it out of choice to save £115. Ha ha, no way. You'd be mad to even contemplate it.
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