Stolen car and excess

Tclark_2

My car was stolen. I called the police and obtained a crime reference number and called my insurance company(1st central) they informed me that I would have to pay the voluntary excess!! Is this correct as I always believed that you only pay the voluntary excess if you had an accident or caused damage to another vehicle. Any help would be much appreciated.
Thank you

forgotmyname

You pay the excess if you claim from your policy.

If an incident is the fault of a 3rd party you can claim your excess back from them. In this case if you find the thief then you can sue him for your excess.

Quentin

Tclark wrote: »

My car was stolen. I called the police and obtained a crime reference number and called my insurance company(1st central) they informed me that I would have to pay the voluntary excess!! Is this correct as I always believed that you only pay the voluntary excess if you had an accident or caused damage to another vehicle. Any help would be much appreciated.
Thank you

You need to read your policy.

Each section (eg damage/liability to third parties/glass damage/theft etc) will show what is covered and what isn't, and whether or not any excess is payable)

Any excess you pay isn't covered by your own policy as it's an uninsured item
As you have discovered you have to pay an excess after your car is stolen - (and your belief is also wrong as no excess is payable on a claim if you damage another car)

jonesMUFCforever

If you are struggling to raise the excess would they deduct this from your claim?

losgiganteskid

jonesMUFCforever wrote: »

If you are struggling to raise the excess would they deduct this from your claim?

If your vehicle is not recovered -you don't have to pay, as such, the excess upfront on a claim of this nature - it will always be deducted from the final settlement prior to the insurer handing over the balance to you (there will also be a deduction from the settlement if their is any Hire Purchase outstanding.)