Originally Posted by
STUCOS
you still have to pay your excess when you pick car up from repairer and your insurance company claim it back from there's if you have legal cover,if not you may have to claim it back your self,now is it a standard saff,or is it a cossie,and are you on a specialist insurance or just a normal policy
cheeRS stu
NOTHING ZERO ZILCH to do with legal cover or not, your insurer is LEGALLY obliged to claim the excess back where it's not your fault or put it down as a no claim on your part.
Often in cases like this each insurer will pay it's own insureds claim on a knock for knock basis, get IN WRITING first that your agreement to this will in no way affect your NCB or premium, insures lie out their arse, it happens this way as litigation is where the real costs lie.
tabetha
tabetha