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Motor Accident?

Car insurance excess Why you have to pay it when you are not at-fault


To understand the answer to this question you first have to understand what excess is for.

There are 2 types of insurance excess, compulsory and voluntary.

Both types help some motorists to have insurance which is affordable on an annual basis.

Compulsory excess is an extra sum of money you will have to pay in the event of an accident, it is specified in your insurance quote and is usually non-negotiable.

If your insurance quote is still too expensive for you, you can ask for an additional ‘voluntary’ excess amount to be included in your quote which will further reduce your annual insurance cost because your insurer will have to pay out less in the event of an accident claim.


So why do I do I have to pay out when I am not at-fault?

Even though you may not be at-fault you are still making a claim on your car insurance policy and so you will almost certainly still have to initially pay your excess before they will repair your vehicle.

When your insurer finishes dealing with your claim they should be able to refund this money to you as they can recover it from the at-fault drivers insurer.


Can’t I just get my car repaired without using my insurer?

Yes, thousands of people use our independent claims service every year, to do just that.

We help them to get the assistance they need without having to claim on their own car insurance.

Your accident repairs and your hire vehicle are known as credit-repair and credit-hire. This means that you will not have any costs or charges to pay as we will recover these at the end of your claim directly from the at-fault driver’s insurer on your behalf.

Regardless of the type of cover you have on your insurance policy, our comprehensive claims service provides you with the following benefits: -

  • An alternative to a claim on your own car insurance

  • You will have no excess to pay

  • Your annual premium should not be affected

  • We deliver a like-for-like replacement for your vehicle if it is un-roadworthy and/or being repaired

  • Your replacement will be delivered typically within 3 hours of accepting your claim

  • We arrange guaranteed repairs for your vehicle at one of our approved accident repair centres

  • Repairs alternatively can be arranged at a garage of your own choice

  • Legal assistance will be arranged for the recovery of your expenses, lost earnings or claims for compensation

  • Help is available 24/7 for all your claim queries



To find out how we can assist you, call us on 02392 484 244 and we will be happy to help.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.
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