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Guide to car insurance excess

Car insurance excess is the amount of money you will have to pay if you make a car insurance claim. The excess usually consists of a voluntary excess and a compulsory. Excess’ vary between cars and also with the age of the driver. The voluntary excess is generally a set amount but the voluntary excess can be tweaked when getting a policy which can help to lower your car insurance premiums.

How does my excess lower my car insurance premium?

By adding a voluntary excess to your car insurance policy you are saying to your insurance company that you are willing to pay more towards the cost of any claim. As insurers know the average price of claims for certain cars they can adjust the overall policy price to reflect the amount you are willing to offer.

What do I pay in the event of a claim?

The amount of the excess you will have to pay out in the event of a claim depends on if it is a fault or none fault claim.

If it is you at fault (which includes theft) you would be expected to pay out both the compulsory and voluntary excess.

If you have comprehensive insurance which includes legal cover, in the event of a not at fault claim you should be able to have your excess covered or be able to claim your excess back. If you only have third party or third party fire and theft insurance and you have paid for legal cover you should be able to claim though ULR. ULR is an additional insurance protection that you can take out while purchasing your insurance. When a motor accident was the fault of a third party, your insurers will attempt to recover the uninsured losses including repair costs, policy excess, loss of use, hire costs of alternative vehicle and transport costs.

What happens if I am hit by an uninsured driver?

If you have comprehensive insurance you will be able to claim against your own insurance policy. In this instance the full voluntary and compulsory excess will apply. It is worth noting also that by claiming against your own policy you may lose some or all of your no claims discount . If you only have third party or third party fire and theft insurance, unfortunately you will not be covered.

If you don’t know how much your insurance is or are looking for cheaper car insurance Money Expert can help you.

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MoneyExpert Ltd is not authorised to provide advice and are introducing you to a regulated firm with whom we are not under a contractual obligation to conduct insurance mediation business with exclusively. You should ensure you provide any potential insurer with your full details and ensure that you are eligible to make a claim(s) in relation to the cover offered. MoneyExpert Ltd will receive a small payment for this introduction which will not normally exceed £35.

MoneyExpert does not give advice on or recommend any particular insurance product or service or whether it is suitable for your personal circumstances. The information provided is to help you to make your own choice about how to proceed.

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