Can I sue based on quatation figure

Mercdriver

This is what Admiral group has to say on the matter:
"If it's proven the accident was the other person's fault and we recover the full cost from their insurer, the excess is refunded,"

https://www.admiral.com/magazine/guides/motor/eight-car-insurance-claims-myths-busted#:~:text=An%20excess%20is%20the%20amount,the%20excess%20is%20always%20payable.

photome

KimJongUn88 said:

Mishomeister said:

Mercdriver said:

Mishomeister said:

DoaM said:

So what have your insurance said about this? Why not get them to handle it all and recover the costs from the other party?

Claim via my insurance will result in a loss of of no claims bonus and a very big excess payment that would have to be paid by me. It is not financially beneficial to claim through my insurance.

If the other side is found at fault, you will get your excess back.  No claims shouldn't be affected as long as the case isn't still open at time of renewal.

Unfortunately I was advised of the opposite by my insurance company. I was told that I either make a full claim on my unsurance with excess and NCB loss or pursue a third party claim with the man's at the fault insurance.

Your insurers are correct. Even if they make a full recovery of their outlay, they won’t recover your excess for you as it’s an uninsured loss and you still have to recover that yourself from the third party insurer.

If its a non fault, the excess should be recoveravable form the third party by the OPs insurer

facade

photome said:

If its a non fault, the excess should be recoveravable form the third party by the OPs insurer

As has been proved many times on here, they don't recover it for you, they tried to sell you an expensive "legal cover" to do that.

!'ve no idea why they don't bother any more (they used to in The Olden Days, they simply returned your excess when the settlement arrived), unless there is some legalese nowadays that says they can only recover their actual costs, or whether it is a way to sell "legal cover"- you wouldn't need it if your insurer actually did the job that you thought you were paying them for.

AdrianC

KimJongUn88 said:

Mishomeister said:

Mercdriver said:

If the other side is found at fault, you will get your excess back.  No claims shouldn't be affected as long as the case isn't still open at time of renewal.

Unfortunately I was advised of the opposite by my insurance company. I was told that I either make a full claim on my unsurance with excess and NCB loss or pursue a third party claim with the man's at the fault insurance.

Your insurers are correct. Even if they make a full recovery of their outlay, they won’t recover your excess for you as it’s an uninsured loss and you still have to recover that yourself from the third party insurer.

I suspect it was even simpler than that. The insurer may well have been saying "We don't think there's a reasonable chance of them accepting that they were 100% at fault, so given the small size of the claim, we won't waste time pushing"

Mercdriver

facade said:

photome said:

If its a non fault, the excess should be recoveravable form the third party by the OPs insurer

As has been proved many times on here, they don't recover it for you, they tried to sell you an expensive "legal cover" to do that.

!'ve no idea why they don't bother any more (they used to in The Olden Days, they simply returned your excess when the settlement arrived), unless there is some legalese nowadays that says they can only recover their actual costs, or whether it is a way to sell "legal cover"- you wouldn't need it if your insurer actually did the job that you thought you were paying them for.

Note my quote from Admiral Group above.  Admiral are one of the most tight fisted, but they will return the excess once they have recovered their costs.

photome

facade said:

photome said:

If its a non fault, the excess should be recoveravable form the third party by the OPs insurer

As has been proved many times on here, they don't recover it for you, they tried to sell you an expensive "legal cover" to do that.

!'ve no idea why they don't bother any more (they used to in The Olden Days, they simply returned your excess when the settlement arrived), unless there is some legalese nowadays that says they can only recover their actual costs, or whether it is a way to sell "legal cover"- you wouldn't need it if your insurer actually did the job that you thought you were paying them for.

My insurer didnt make me chase it last year they recovered it for me

Jumblebumble

KimJongUn88 said:

Mishomeister said:

Mercdriver said:

Mishomeister said:

DoaM said:

So what have your insurance said about this? Why not get them to handle it all and recover the costs from the other party?

Claim via my insurance will result in a loss of of no claims bonus and a very big excess payment that would have to be paid by me. It is not financially beneficial to claim through my insurance.

If the other side is found at fault, you will get your excess back.  No claims shouldn't be affected as long as the case isn't still open at time of renewal.

Unfortunately I was advised of the opposite by my insurance company. I was told that I either make a full claim on my unsurance with excess and NCB loss or pursue a third party claim with the man's at the fault insurance.

Your insurers are correct. Even if they make a full recovery of their outlay, they won’t recover your excess for you as it’s an uninsured loss and you still have to recover that yourself from the third party insurer.

I disagree
Axa paid back my excess as soon as the third party agreed liability when my car was driven into on a roundabout  by someone driving across a give way
I never had to recover  anything myself from the third party

KimJongUn88

Jumblebumble said:

KimJongUn88 said:

Mishomeister said:

Mercdriver said:

Mishomeister said:

DoaM said:

So what have your insurance said about this? Why not get them to handle it all and recover the costs from the other party?

Claim via my insurance will result in a loss of of no claims bonus and a very big excess payment that would have to be paid by me. It is not financially beneficial to claim through my insurance.

If the other side is found at fault, you will get your excess back.  No claims shouldn't be affected as long as the case isn't still open at time of renewal.

Unfortunately I was advised of the opposite by my insurance company. I was told that I either make a full claim on my unsurance with excess and NCB loss or pursue a third party claim with the man's at the fault insurance.

Your insurers are correct. Even if they make a full recovery of their outlay, they won’t recover your excess for you as it’s an uninsured loss and you still have to recover that yourself from the third party insurer.

I disagree
Axa paid back my excess as soon as the third party agreed liability when my car was driven into on a roundabout  by someone driving across a give way
I never had to recover  anything myself from the third party

Your excess is an uninsured loss. At policy inception, you agree for the first £xxx amount to be borne by yourself and your insurer covers the rest.

In the event that you make a claim on your own policy and you are subsequently not found to be at fault, your insurer will make a recovery of their outlay from the at fault insurer. 

They may, as a courtesy, recovery your excess too. After all, it’s only an extra line in a letter or conversation to request your excess too. They don’t have to do this as it’s your loss, not theirs. If they didn’t recover your outlay, you’d have to do it yourself or instruct your Legal Expenses Insurer to do it for you. 

Mercdriver

KimJongUn88 said:

Jumblebumble said:

KimJongUn88 said:

Mishomeister said:

Mercdriver said:

Mishomeister said:

DoaM said:

So what have your insurance said about this? Why not get them to handle it all and recover the costs from the other party?

Claim via my insurance will result in a loss of of no claims bonus and a very big excess payment that would have to be paid by me. It is not financially beneficial to claim through my insurance.

If the other side is found at fault, you will get your excess back.  No claims shouldn't be affected as long as the case isn't still open at time of renewal.

Unfortunately I was advised of the opposite by my insurance company. I was told that I either make a full claim on my unsurance with excess and NCB loss or pursue a third party claim with the man's at the fault insurance.

Your insurers are correct. Even if they make a full recovery of their outlay, they won’t recover your excess for you as it’s an uninsured loss and you still have to recover that yourself from the third party insurer.

I disagree
Axa paid back my excess as soon as the third party agreed liability when my car was driven into on a roundabout  by someone driving across a give way
I never had to recover  anything myself from the third party

Your excess is an uninsured loss. At policy inception, you agree for the first £xxx amount to be borne by yourself and your insurer covers the rest.

In the event that you make a claim on your own policy and you are subsequently not found to be at fault, your insurer will make a recovery of their outlay from the at fault insurer. 

They may, as a courtesy, recovery your excess too. After all, it’s only an extra line in a letter or conversation to request your excess too. They don’t have to do this as it’s your loss, not theirs. If they didn’t recover your outlay, you’d have to do it yourself or instruct your Legal Expenses Insurer to do it for you. 

You are just like your namesake.  He doesn't like being told he is wrong either

KimJongUn88

https://www.honestjohn.co.uk/insurance/advice/whats-an-uninsured-loss/