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...

Do I have to pay my excess in the event of a no-fault accident?

I was hit by a car whose driver did not give way to right on a roundabout. I was told this is a ‘no-fault’ incident but have £150 excess + £150 voluntary excess on a fully comp policy with 19 yrs NCB....

I was involved in an accident where the other party admitted fault - should I go through my insurer or theirs?

Our car was hit from behind whilst waiting to turn at a junction. The other motorist was profusely apologetic and accepted liability. Our bumper was squashed and pushed out of shape, parking sensors squished...

Where there is a clear non-fault accident why do I have to pay the excess for my insurance?

Where there is a clear non-fault accident why do I have to pay the excess for my insurance and then wait up to six months to reclaim it? It’s quite a sizeable excess £600. This feels grossly unfair? When...

My insurer wants two excess payments for two areas of damage?

My car was recently hit while parked and incurred damage to the rear. I was given a quote of around £1000 for a repair and I decided to make a claim through my insurer. My car was booked into the insurer's...

I own two cars on the same insurance policy - if one hits the other do we have to pay two excesses?

I own two cars, both on the same insurance policy. My wife reversed the car she drives into mine (parked) on our driveway, damaging both cars. The insurance company wants to charge me an excess on both...

My car was written off but the cost of repair is far less than the value - is this right?

My 2009 car was damaged in an accident after skiding off the road into a ditch. My insurers says the car is valued at £8960 and have written it off with category N. The cost of repair is given as £2717...

Why am I having to pay the excess after a cyclist hit my car?

I was rear ended today by a gentlemen on a bicycle. I have reported this to my insurance company who tell me that I will have to pay the £500 excess as there is little to know chance of recovering this...

My car was badly damaged while parked - should I claim via my insurer or an accident management firm?

While my car was parked in a retail park car park it was hit and severely damaged by a third party. It is likely to be a write off. I have the third party's insurers details. The third party is obviously...

I was the innocent party in an accident - how do I reclaim the insurance excess I have had to pay?

I was the innocent party in an accident. How do I reclaim the insurance excess I have had to pay?