Step 1. I am not at fault, I’m insured but can’t afford my excess
The excess is your contribution to a claim, and is generally the amount you have agreed to pay in the event of a claim. The insurer is asking you to contribute an amount to the costs of the claim so that you share some of the risk. This is to reduce claims and premiums (the cost of insurance). An excess may well be payable even if you don’t believe you were at fault. See:
- Why do I have to pay my excess? fact sheet on our website.
- pay the excess in instalments to your insurer;
- if you are getting a cash settlement rather than your car repaired, ask the insurer to deduct the excess from your claim.
If your damage is worth less than your excess (and no claim is being made against you by the other party), you will not be able to claim on your insurance. In that case you will need to make a claim directly against the other party or their insurer. For more information on this go back a step and click on the “I have decided not to claim on my insurance” button. For more information see: