Insurance Excess

Keith_Butler

Hi,
Unfortunately most terms and conditions are long winded and in a lot of cases you have to be a Harvard Graduate to understand them, that's why the majority of people don't read them.
My original point was simple why isn't it easy to get your excess back from your insurance company, this should not be hidden away in the T&C it should be straight forward, and easy to get back

Car_54

Keith_Butler wrote: »

Hi,
Unfortunately most terms and conditions are long winded and in a lot of cases you have to be a Harvard Graduate to understand them, that's why the majority of people don't read them.
My original point was simple why isn't it easy to get your excess back from your insurance company, this should not be hidden away in the T&C it should be straight forward, and easy to get back

But the excess isn't hidden in the Ts and Cs - it would have been clearly stated on your quote, and even on any comparison site. Didn't you know what "£250 excess" meant? If not, why didn't you ask?

takman

Keith_Butler wrote: »

Hi,
Unfortunately most terms and conditions are long winded and in a lot of cases you have to be a Harvard Graduate to understand them, that's why the majority of people don't read them.
My original point was simple why isn't it easy to get your excess back from your insurance company, this should not be hidden away in the T&C it should be straight forward, and easy to get back

If you and most people don't read them how would you know they are long winded and complicated?. It's not "hidden away" it is simply in the policy booklet like the rest of the information. I've always found the wording to be fairly straightforward and not overly explained.

Also why should you be able to easily claim your excess back from your insurance company?. When you take out insurance you are insuring for any losses above the value of your excess. Your agreeing to pay the first X amount of any claim.
If you want a product that provides assistance in claiming this back then you need to check what your buying.

Keith_Butler

Hi,
Please refer to my original post, as usual with posts we start talking about A and end up discussing Z

takman

Keith_Butler wrote: »

Hi,
Please refer to my original post, as usual with posts we start talking about A and end up discussing Z

I have read your post and it doesn't change what i said. The other insurance company are liable and they are the ones who would have to pay back your excess.

So have you rang them up and said i paid £X excess to my insurance company and i would like you to reimburse it as the other party admitted liability. If so what did they say?

Keith_Butler

Thank you Takman for your advice, I will ring the other parties insurers and put this to them, hopefully I will get some joy from them

Aylesbury_Duck

Keith_Butler wrote: »

Hi,
Please refer to my original post, as usual with posts we start talking about A and end up discussing Z

You had the correct answer to your question in the very first response. And in posts 3, 5 and 6. Post 7 was when you yourself took the thread off track and into a discussion about terms and conditions by making a daft comment about nobody reading them. By post 22 it’s you talking about terms and conditions again.

You’ve done more than anyone in this thread to move it from A to Z, and you still haven’t contacted the other party’s insurer as was advised in post 2.

Keith_Butler

Hi,
Top marks for being so observant Aylesbury