What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks
I had to pay the excess for a no-fault accident, when will I get this back?
My BMW was written off even though it had minimal damage and I was not in the vehicle at the time. It was the fourth car damaged by a driver who crashed into a row of parked vehicles. My insurer told me I had to pay the excess of £345. This was back in November 2017. How long do I have to wait until the excess is returned back to me?
Asked on 26 January 2018 by Leton
Answered by
Honest John
Have you claimed it back through your legal insurance or instructed a solicitor? You shouldn't have to pay an excess, it's deducted from your settlement. Your insurer pays the insured loss and you need to recover your uninsured loss, i.e. your excess. This is unless your insurer is recovering it back. Firstly establish who is doing what. Secondly, November 2017 is not a long time ago. Generally, you should get your excess back within three months, but it can take much much longer dependent on the insurer.
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
My car was written off by an uninsured driver - why was this recorded as a 'fault' claim against me?
I'm a 60 year old IAM F1RST and ROSPA Gold qualified driver. Whist driving my daughters car to work, I was T-boned by a vehicle with a cloned reg plate that didn't give way on a major junction. The police...
I was the innocent party in an accident. How do I reclaim the insurance excess I have had to pay?
My partner hit a deer at one time, but there was minimal damage (a cracked bumper) and so didn't claim any costs on her insurance. She did however inform her insurance company and they have logged the...
.jpg)
