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The excess wording on my insurance policy is not clear - can you help?
I am trying to fully understand the terms of the policy excess for my car. The document states under "Accidental Damage" the following: "£350 (this includes £250 voluntary excess). My understanding of this would be that the £350 includes the £250, so the total excess payable is £350. I have queried this with the Insurance Company and they say the total payable is £350 + £250 i.e.£600. Is this correct?
Asked on 28 June 2024 by u123935
Answered by
Louise Thomas
It seems that there is confusion around wording on your policy and this will need to be clarified with the insurer directly due to both of you having access to the documentation. If you have recently taken out the policy and you’re not happy with these charges, you usually have a cooling off period which could help you come out of your agreement early. But be mindful that there still may be some costs to pay by going down this route. If you’ve already passed this grace period and need to make a claim, you could raise a formal complaint if you feel that the charges weren’t clear when taking out the policy. Double check your policy documents carefully though before doing so, as there may be a more detailed breakdown elsewhere within your paperwork.
Tags:
insurance excess
insurance
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