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worried about car insurance

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doodah
doodah Posts: 531 Forumite
First Anniversary Combo Breaker Debt-free and Proud!
in Insurance & life assurance
hey guys. back in june i had a car accident and it was my fault. i phoned my insurance company straight away and went through everything with them, gave them the other driver's details etc. they gave me info on what to do if i wanted to claim to get my car fixed. i have a £500 excess which i can't afford to pay and my car is still driveable so i never did it. i haven't heard anything from them since. i'm now starting to worry that i'm going to end up with a bill for £500 as the other person would have claimed on my insurance?? i really don't know how this works! do you only pay your excess if you claim to get your own car fixed? or do you pay it even if you don't but the other person does? hope this makes sense...
31/12/2006 £8395, 01/10/2008 £5089.73, 19/10/2010 £835.00 31/03/2011 £0.00
Pigsback = £9.35 (£30 claimed), Quidco = £128.24 claimed
Official DFW Nerd No. 264

Debt-free and Proud!

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  • LadyIndecisive
    LadyIndecisive Posts: 258 Forumite
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    You only pay the excess if you go ahead with claiming for your own vehicle repairs, you do not need to pay it if the other party claims.
  • doodah
    doodah Posts: 531 Forumite
    First Anniversary Combo Breaker Debt-free and Proud!
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    thank you, that's very reassuring!! :)
    31/12/2006 £8395, 01/10/2008 £5089.73, 19/10/2010 £835.00 31/03/2011 £0.00
    Pigsback = £9.35 (£30 claimed), Quidco = £128.24 claimed
    Official DFW Nerd No. 264

    Debt-free and Proud!
  • doodah
    doodah Posts: 531 Forumite
    First Anniversary Combo Breaker Debt-free and Proud!
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    ok another question, will i have lost my no claims bonus?
    31/12/2006 £8395, 01/10/2008 £5089.73, 19/10/2010 £835.00 31/03/2011 £0.00
    Pigsback = £9.35 (£30 claimed), Quidco = £128.24 claimed
    Official DFW Nerd No. 264

    Debt-free and Proud!
  • Quote
    Quote Posts: 8,042 Forumite
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    You will if the third party has claimed against you.
  • Atermis
    Atermis Posts: 133 Forumite
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    yes unless you have protected no claims, best checking with your broker how it will affect your policy exactly...
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