Can I sue based on quatation figure

Mercdriver

KimJongUn88 said:

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

And that very general blog post trumps people's experiences and an actual statement from a major insurance company?

KimJongUn88

Just because Admiral say they will repay your excess doesn’t mean that all insurers take that stance. Look at Directline’s (a major UK insurer) policy for example. 

https://www.directline.com/car-cover/excess-explained

What I’ve stated is recognised law. Just because some insurers will repay an excess doesn’t mean that they all have a duty to do that on behalf of their policyholders.

Dr_Crypto

The OP has laready been told by his insurer they will not recover his excess. What Admiral may do is neither here nor there. 
You should ask them to pay the final invoice after the repair. More work may be needed than was realised and this will only become clear at the time of the repair. 

facade

Mercdriver said:

KimJongUn88 said:

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

And that very general blog post trumps people's experiences and an actual statement from a major insurance company?

Here is one from a few weeks ago.

https://forums.moneysavingexpert.com/discussion/6147831/reimbursement-of-excess

Now I think your insurer should simply ask the third party for the full value of the claim, including your excess, then if it is agreed 50:50 they get half the claim including half your excess to give you back etc., but it appears that this is not the case.