Find out why you shouldn't have to pay your policy excess if the accident wasn't your fault.
Your insurance excess is the amount you agree to pay towards a claim before your insurer pays the rest. But what if the accident wasn't your fault?
If a third party is entirely at fault for the accident, you are legally entitled to have your vehicle repaired and to be provided with a replacement vehicle without paying a penny out of pocket. The at-fault driver's insurance is responsible for covering all costs.
If you claim through your own comprehensive policy, your insurer will typically ask you to pay your excess upfront. While they will attempt to recover this from the other insurer and refund you later, this process can take months.
By using our accident management service, we handle the claim directly with the at-fault insurer. There is no excess to pay, no upfront costs, and no waiting for refunds. We handle everything from day one.