Main site > MoneySavingExpert.com Forums > Essential Money > Insurance & Life Assurance > Car Insurance Excess - how does it work? (Page 1)

IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
Car Insurance Excess - how does it work?
Closed Thread
Views: 3,210
Thread Tools Search this Thread Display Modes
# 1
Doobdonk
Old 24-02-2008, 8:15 AM
MoneySaving Convert
 
Join Date: Aug 2006
Posts: 65
Default Car Insurance Excess - how does it work?

Without too many details, my freelander had an attempted break in yesterday whilst i was in a shop. Drivers side passenger window smashed, lock busted and attemped to lift handle off car so drivers door panel badly damaged.

Insured fully comp with LV, policy states excess of 250 for theft or attempted. My policy also has a 60 pound windscreen excess.

My question is a general one, as i've never had to do this before. Would the 250 for theft excess cover all damage caused, or would i generally have to also pay the 60 pound glass excess. IMO it's all as a result of attempted theft and should be covered by the 250 excess only, but i'm not sure how insurance companies tend to work.

At present i've been forced to pay the 60 to autoglass who will be coming to temporarily repair today, but if possible i plan to charge this back to LV as part of the 250.

Many thanks for any help (i know it's dependant on insurer, just after personal opinions and experience)
Doobdonk is offline
Report Post
# 2
mattymoo
Old 24-02-2008, 10:07 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Mar 2006
Posts: 2,351
Default

Should just be the one excess (or at least thats how we used to do it in 94 when I left claims).
You could ask the insurers to adjust the excess you pay the bodyshop down to 190. This is paid when you collect the vehicle.
mattymoo is offline
Report Post
# 3
V_tricky
Old 24-02-2008, 1:14 PM
MoneySaving Stalwart
 
Join Date: Dec 2007
Posts: 460
Default

I'm pretty sure it's still the same - you just need to pay the remainder to the body shop as all the damage was result was caused a single incident

All posts made are my own opinions and constitute neither professional advice nor the opinions of my employers
V_tricky is offline
Report Post
Closed Thread

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 10:30 AM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 10 September 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile
  • It's winter for me today on @itvthismorning. I'm taking energy bills and as switching can take 2mths, you need sort it now to beat cold snap
  • Again to those asking me Phones4u questions pls inc the #MSEphones4u tag my team will go through it in the AM (im not at desk hence why)
  • Got questions on your rights with Phones4u going into administration? We'll get a full Q&A together tomorrow am pls tweet with #MSEphones4u

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • VARIOUS ARTISTSKEEP CALM & CHILLOUT
  • SAM SMITHIN THE LONELY HOUR (DELUXE EDITION)
  • ED SHEERANX (DELUXE EDITION)

MSE's Twitter Feed

profile
  • Phones4U has fallen into administration, according to reports. We will explain what it means for customers in a full Q&A tomorrow.
  • RT @MartinSLewis: Got questions on your rights with Phones4u going into administration? We'll get a full Q&A together tomorrow am pls tweet?
  • What's going on with energy prices? We've asked energy experts to tell us their predictions on when prices will rise. http://t.co/bTw5jTaUi5
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.