Gocompare excess claim

cornishcrone

Having a problem claiming the excess back from Gocompare as the accident was the other drivers fault and apparently Gocompare do not pay out unless its my fault and say I need to claim from the third party. I am not sure how to go about it especially as the other driver is also insured by my company ( Dial Direct) so is that who I need to contact?

HillStreetBlues

Why would there be an excess  if you weren't to blame?
You should only pay one if claiming from your own insurance.

cornishcrone

As far as I am aware there is always an excess to be paid wherever the fault lies. The actual bill was paid by his insurance.

mgfvvc

A good insurance company would deal with reclaiming it as part of their handling of your claim. Dial Direct, well who knows? Ask them.

If they won't help and you have legal expenses cover, that would be your next port of call.

Grey_Critic

The excess is classed as an *Uninsured Loss* to be claimed back from the other party. Do you have Legal Cover with your policy.

Go Compare IS NOT an insurance company but a third party .

As it says on their website **Our partner (the insuance company) pays us a fee for every policy which is purchased through Go.Compare.

HillStreetBlues

cornishcrone said:

As far as I am aware there is always an excess to be paid wherever the fault lies. The actual bill was paid by his insurance.

No.
It someone damages your car and it cost £1000 to repair, that insurer should pay you £1000  no deductions.
If you damage your car and costs £1000 and you have a £200 excess, your insurer will pay you £800.

facade

cornishcrone said:

As far as I am aware there is always an excess to be paid wherever the fault lies. The actual bill was paid by his insurance.

As above, but in more detail

If a third party makes a claim on your policy (basically it was your fault/negligence that caused the accident), then (except some special terms policies) you pay nothing*, no excess applies to them and they get their full money. (*Presumably because insurers have a nasty habit of accepting responsibility on their client's behalf if it makes their job easier, and they'd end up in court- a lot! chasing excesses on 3rd party claims from drivers who were adamant that they were not to blame.

If you make a claim on your own policy for your own damage, then the excess applies to your car only, and they pay out less than the claim, or you have to pay the excess to the repairer to get your car back.

If you did claim on your policy and it wasn't your fault, your insurer will do their utmost to get the other party to re-reimburse them (well, provided it doesn't involve much work or they could just be throwing good money after bad) but they won't ask for your excess and pass it onto you.

A cynic would suggest that this is a deliberate tactic to steer you into paying £££ extra for "Legal Protection", because In The Olden Days they simply claimed the full amount back off the third party and refunded your excess, or never asked for it in the first place if you were not to blame.

eschaton

cornishcrone said:

As far as I am aware there is always an excess to be paid wherever the fault lies. The actual bill was paid by his insurance.

No there isn’t. 

As the non fault driver, you should be paying nothing and claiming any out of pocket expenses. 

I did it in 2016 with Direct Line. They insured both drivers but that didn’t make a difference. 

They gave me a hire Mercedes C Class for 2 full months, injury compensation later on and everything I claimed for. I even claimed for the string to tie the boot lid down to what remained of the bumper. 

Unfortunately you lose out for the next 5 years with increased premiums for something you didn’t cause. 

Grey_Critic

But Go Compare IS NOT an insurance company - they act as agents - it says so on their website

 **Our partner** (the insuance company) pays us a fee for every policy which is purchased through Go.Compare.

The OP needs to speak with their insurance company Dial Direct

jimjames

GoCompare also offer Free Excess cover so the OP may be referring to that

https://www.gocompare.com/free-excess-protection-cover/

Grey_Critic

jimjames said:

GoCompare also offer Free Excess cover so the OP may be referring to that

https://www.gocompare.com/free-excess-protection-cover/

It actually says * *if you’re at fault** 

But in this case the OP says it was the third party at fault and the claim has been settled on that basis so he is actually seeking to reclaim his uninsured losses.