excess for motability car after it being vandalised

Demitria

Hi there,

 We are victims of harassment and have been since last july. The police are involved.  My son was attacked by knife point, outr house/bounderies were spraypainted with offensive writing. A few weeks ago my car was vandalised and couldn't be driven. The rsa motability arranged to take my car away ready for repairs. They gave me a courtesy car in the meantime. 
I am constantly worrying about the courtesy car and hope it doesn't get damaged. I do not park it in my usual spot and it is still well accessible for me. 

 The police have put safety/priority on our address. The perpetrators were caught on my cctv damaging my car. These are the same suspects who have been responsible for previous harassment.

I would like some advise please. We are under huge stress with all of this. My lease ends in a few months with motability with this particular vehicle. Yet no matter how much I have had conversations with them about compassion on this they still say I am liable to pay £100 excess. 
I am so stressed and so angered by this. We do not know if this won't happen again. I do not have a garage. My car is vulnerable. And every time as a victim I have to pay £100?

So does anyone know who I should reach out to to complain about this unfair rule of excess please?

I would understand it it was my fault or accidental damage caused by myself. 

I hope someone can shed some light on this for me please.
Thank you for taking the time to read.
S

TELLIT01

Unfortunately the insurance excess is payable by you if your insurer can't recover the cost from any 3rd party.  That is true of most motor insurance.  If the perpetrators are taken to court you may be able to claim compensation from them but whether they would actually pay is another matter.

400ixl

Really sorry to hear about the situation you are in, but not sure where the unfairness of the excess comes from. If it had been scratched by some unknown person away from home, would you say the excess is unfair then?

Hopefully the police can prosecute the identified vandals. You may be able to go after them to recover the excess, not sure if it could be as part of any criminal prosecution on whether it would need to be civil.

chrisw

You can make a formal complaint to RSA and depending on that response, you can then take it to the Financial Ombudsman Service. 

Although, as above, I'm afraid I wouldn't hold out too much hope as I really don't see that RSA has done anything wrong.

Sandtree

That's the principle of an excess... an amount you agree to pay in exchange, typically, for a lower premium. Some insurers do have a "vandalism promise" and/or "uninsured driver promise" etc where they may waive the excess or not consider them a fault claim etc but those are added product features and not the norm which is why most companies have run big marketing campaigns off the back of introducing them.

In theory, you would have a right of recover of the excess from the perpetrators but if that is realistic to do or if you want lawyers sending them letters demanding money etc is another question.